Requiring gem takes over one second on a modest VPS

Describe the bug

I'm using a basic DigitalOcean droplet and the Stripe gem takes over one second to require with Ubuntu 24.04/Ruby 3.2.

mike@svr-20240711:/opt/billing$ time ruby -e "require 'stripe'"

real    0m1.364s
user    0m0.637s
sys 0m0.106s
mike@svr-20240711:/opt/billing$ time ruby -e "require 'stripe'"

real    0m1.391s
user    0m0.584s
sys 0m0.087s
mike@svr-20240711:/opt/billing$ time ruby -e "require 'stripe'"

real    0m1.125s
user    0m0.535s
sys 0m0.076s
mike@svr-20240711:/opt/billing$ time ruby -e "require 'stripe'"

real    0m1.271s
user    0m0.529s
sys 0m0.097s

Even on my fast M1 laptop, requiring takes 250-300ms:

apache2/sites-enabled (podman *) % time ruby -e "require 'stripe'"
ruby -e "require 'stripe'"  0.11s user 0.04s system 44% cpu 0.333 total
apache2/sites-enabled (podman *) % time ruby -e "require 'stripe'"
ruby -e "require 'stripe'"  0.11s user 0.04s system 52% cpu 0.274 total
apache2/sites-enabled (podman *) % time ruby -e "require 'stripe'"
ruby -e "require 'stripe'"  0.10s user 0.03s system 60% cpu 0.223 total

lib/stripe.rb requires dozens of files, most of which are not used. Instead of eager loading everything, would you consider moving to autoload constants? My usecase is single-threaded CGI so I'm requiring the gem for each request and this slowness adds a second of latency for every pageload.

As another data point, I maintain Sidekiq and it takes half the time to require (100-150ms).

To Reproduce

See above.

Expected behavior

I'd like to see the gem load in under 100ms.

Code snippets

No response

OS

Ubuntu 24.04

Language version

Ruby 3.2.3

Library version

stripe-ruby v12.1.0

API version

not sure

Additional context

No response

stripe / stripe-ruby