yes, I agree with everything you've written here, except one thing: NY may have been ok with paypal operating that way in 2002, but that has clearly changed:

yes, I agree with everything you've written here, except one thing: NY may have been ok with paypal operating that way in 2002, but that has clearly changed: https://www.paypalobjects.com/webstatic/en_US/licenses/NY_license.pdf https://www.paypalobjects.com/webstatic/en_US/licenses/NY_li...