Yeah,that's what I think too : It seems hard (impossible) to register user's credit card at each payment provider (Stripe, Adyen, etc) and then start a subscription at some place (Stripe) and automatically switch in case of issues. There is high probability that in this scenario, Adyen will see the credit card refused because it never did a single payment for, say, 2 years, and suddenly starts a 300$ monthly subscription.

And I'm not even talking about 3D Secure!

As mentioned in the comments, a solution would be to migrate from Stripe to a merchant account with a bank where your service is vetted upfront.