Exactly. A huge number of people seem to ignore this and make the naive "Why doesn't someone just do what paypal are doing, but better?" type statements. There

Exactly. A huge number of people seem to ignore this and make the naive "Why doesn't someone just do what paypal are doing, but better?" type statements. There are so many problems Paypal faces when offering the service they do, granted some of these problems faced by people are ridiculous (like this one we're posting in) but the average problem that is reported is reasonable. Maybe it can be argued that unless Paypal can guarantee fantastic service they shouldn't operate as a business, but I (as a customer of Paypal) love their service, it'd suck if they went :-(