Crap, I’ve done all three! Well, maybe not all at once though.<p>I can see why not to do notifications, but it’s hard to avoid doing some form of it if you’re making an app with focus on low latency realtime updates.<p>The bigger problem is that out of all three categories, I only really feel content with trusting Stripe, and only so much. Auth0 has its issues, and decent authentication systems you can roll on your own are plentiful. Maybe building it yourself no longer makes sense, but I do think owning your user database is a good idea, even if you do primarily lean on OAuth.