That's certainly one way to look at it. In my opinion, Stripe should be the entity responsible for fraud management and not left up to the individual implementations, but I can certainly see your point of view as well.
The alternative is that you could end up with customers who constantly hit false positives in the fraud detection, and it becomes impossible to charge that person unless Stripe implements a way to "force charge" someone, and then you have to hope your 3rd party Stripe integration also supports and exposes that to you...
