Ask HN: Need help on Stripe Atlas

I've been applying for stripe atlas for a while now , everytime , i get to hear that they don't support a business that has a risk of chargeback , while my business will have absolutely zero because mine is an android app + ios app and would collect payments only through the stores ,so where's the risk ? , I'm missing something and i don't understand what , i could see that people with no revenue could be accepted too , but mine is a good idea and has been rejected , also , i've selected the website incomplete option as i still don't have anything on the website yet , could that be a factor ? Please help out understand where i could be wrong .