Sure, this happens on every platform owned by a third-party that gets enough users, it is a statistical inevitability. Even crypto wallets aren't immune to bein

Sure, this happens on every platform owned by a third-party that gets enough users, it is a statistical inevitability. Even crypto wallets aren't immune to being manipulated. See Chivo. FWIW, I've used PayPal since the 90s, I run a biz that uses it, clients use it every day and have used it every day for over a decade without any issues, and I have personally sent several thousand PayPal Invoices over the years. Automated billing also works just fine, far more reliable than charging a card that will eventually expire. Further anecdote: whilst you point to PayPal, I've heard of more people having their bank account frozen for whatever reason, e.g. someone stole their card, suspected fraud etc. We can point to any of these things as a worst case scenario, but likely 99% of the time, it's working as intended. PayPal's support has also been some of the best to deal with when it comes to API queries.