Partly. There is always some data you will need in the future that you don't think to store today. So I suspect MRR is not the only issue these startups are having. Another example is stripe just does not make some fields available via api. Say, the date an external account was added to a connected account. That is not in the api, so if you then want to add some logic that depends on the age of certain accounts (maybe fraud prevention), you're out of luck. You would have to handle the event when it happened, and use the current time. But Stripe does show this date on the UI.