Playing PayPal'd advocate, that's a lot similar to home made "give me money to finish this personal project" and you're expecting a faceless service to go spend

Playing PayPal'd advocate, that's a lot similar to home made "give me money to finish this personal project" and you're expecting a faceless service to go spend 5 min on one of the hundreds of thousands of claims they receive every day. Including of course the ones where you actually sent the money to your friend who already spent it out of PayPal, and PayPal has to front the money for your chargeback. Fraud management is hard. Most actors in the domain are also jerks, but that's orthogonal to it being hard I think.