I'm not sure you know what "stakeholder" means...? Either that, or you've had too many people use it to mean "people whose future is on the line based on the outcome of the product." That's one kind of stakeholder, but it's far from the average, and it's certainly not the most important kind.

Anyone who has to work with the product is a stakeholder. Their stake in it is the fact that they will be interacting with it, and thus they care how, and whether, it works.