Stopped using PayPal a year ago, and I'm just a buyer. But it ticked me off how arbitrary and arrogant they are. Virtually no investigation, less logic, but a big "Screw you!" to the clear victims. Yet so many sellers say "PayPal only" with no clue what's what when it comes to nut cutting time.
Even as a buyer I had to go around them to my credit card company more than once. Like the time the "excellent" Scout pattern with "good snap" tuned out to have all the tools rusted solid and PP told me "You and your piles of 100% feedback over ten years lose. The item was delivered." Not really. Citibank jerked the rug out from under that in gig time.
Then someone, eBay? PayPal?, established a PayPal account for me without my knowledge. Naughty, naughty. A violation of federal banking law. (See Wells Fargo fiasco.) Quick backtrack by ePrey and PP. They so love willing victims - like muggers like unarmed victims.