Isn't this a consequence of attempting to use PayPal as a bank account, something you shouldn't do in the first place? (Assuming they're not doing nefarious thi

Isn't this a consequence of attempting to use PayPal as a bank account, something you shouldn't do in the first place? (Assuming they're not doing nefarious things). Doesn't the rogue, excess money add a cost to their accounting at the end of the year, similar to how companies don't like letting employees keep their vacation days after so long, because they have to keep the functional equivalent of that much money in savings, in case the employee leaves and they want to cash it all out? This seems pretty reasonable, to me, barring a couple edge cases that should have a vanishingly small percentage and perhaps could be argued for as special cases (people in jail, for example). Does Paypal have any sort of auto-deducting money out of PayPal and into a normal bank?