Definitely no dismissiveness intended -- apologies. While Stripe has been in business for 10 years, Radar (our fraud prevention tool) has only existed for 3.5. We've made a good deal of progress in that time and I would guess that it's 1-2 years away from being sufficiently complete that we can start to seriously focus on things other than fraud. (As it happens, I just had a conversation about this with the guy who leads it.)