A C corporation can still make a lot of sense for a small business depending on the nature of the business and the interests and needs of the owners.
C corps can offer a lot of advantages in terms of shareholder and employee benefits, particularly around healthcare, and QSBS is a huge benefit for qualified businesses and owners who might one day sell the business.
You don't need to rely on Stripe to do anything. There are other payment gateways, and you can file things yourself (or hire someone).
Do they make things very easy and accessible for a smaller fee than doing it yourself, yes.