But PayPal specifically isn't under banking laws which is how they cover their ass normally (like if you have money at PayPal and they terminate your account yo

But PayPal specifically isn't under banking laws which is how they cover their ass normally (like if you have money at PayPal and they terminate your account you never get your money , which there are thousands and thousands of cases of PayPal doing which would be illegal for an actuall bank), so banking law has nothing to do with PayPal.