It was a major phycological blocker. It's kind of complex to start accepting money on Stripe without a legal entity. I had an old legal entity, but I did not want to mess the accounting. So I decided to go full force and finally opened a company.
I don't have the first user yet, but at least I'm ready and it's more or less straightforward how to setup it legally. Even if it would not work with my very first product I will definitely get some product on a decent level.