I think the main issue is how much they rely on automated flagging to do this for them, and then how difficult it is for a normal user to get in contact with a

I think the main issue is how much they rely on automated flagging to do this for them, and then how difficult it is for a normal user to get in contact with a live human to get things sorted out. Trust me, you'll understand why people hate PayPal so much once it happens to you.