TL;DR: using PayPal while under 18 is against TOS, but this wasn't enforced when author signed up. Ten years later, they are suddenly banned without appeal, and

TL;DR: using PayPal while under 18 is against TOS, but this wasn't enforced when author signed up. Ten years later, they are suddenly banned without appeal, and all cards and bank accounts blacklisted so they can't create another account.