It's not crazy talk. I had a terrible experience with PayPal six months ago. I didn't believe all the horror stories and opened an account with them. They decid

It's not crazy talk. I had a terrible experience with PayPal six months ago. I didn't believe all the horror stories and opened an account with them. They decided there was a problem and froze my account - but they neglected to tell me and continued accepting deposits, the freeze only applied to withdrawals. It was extremely difficult to recover my money. The point is, there are no rules, there is no transparency. Their decisions are entirely arbitrary and you are at their mercy. Never again.