Thanks. This is a fair point. I made up the example only to illustrate the idea. Since Stripe is considered some sort of benchmark here I was curious to see how they tackle all the learnings they will have over time...I feel it is very hard to think through all the future cases especially when you are just about starting out with your product.
For example, in financial services and insurance, regs change and what data we need to collect change and sometimes their dependency will change. I am curious what's companies that have grown substantially had to do to their APIs.