In your extreme case, it is PayPals duty to inform the authorities. And then to act upon the instructions recieved from that authority. But it is not PayPals du

In your extreme case, it is PayPals duty to inform the authorities. And then to act upon the instructions recieved from that authority. But it is not PayPals duty to decide whether the customer is a criminal or not; that is what the courts or your local version thereof, is for. It might be that in the US, this is different, but in the EU it is not. In fact, in the EU, payment providers are, in several cases, prohibited by law to shut down or inform customers. So if Paypal were to shut down the contract of such a customer, that would be thing that might bring PayPal employees to jail. Now, that is obviously aside from any EULA or other agreements PayPal has with its customers: as a private entity, paypal is free to put arbitrary rules in that contract: dissalow stuff that is otherwise perfectly legal, for example. But that is very different from becoming a judge. Edit: but my point was, that the moment PayPal becomes "critical infrastructure", such arbitrary rules are problematic because, if, say, a PayPal account is required to pay taxes or receive any form of wages, such arbitrary rules will exclude people who then might get into serious trouble. Also, please keep the conversation civil. Calling me "very stupid" does not help to bring your otherwise valid and thoughtful concerns forward.