Status Quo != Acceptable, even if other payment processors decide they are doing the same thing, PayPal also operates in large as a wallet of sorts, meaning it'

Status Quo != Acceptable, even if other payment processors decide they are doing the same thing, PayPal also operates in large as a wallet of sorts, meaning it's not only commercial companies but users who are affected by this. Unclear writing means PayPal could "at their sole discretion" decide you tweeted (for example) something they didn't like or deemed against their user agreement and without involving the law at all just fine you for it? My personal bank has no such clauses in their user agreement, nor anything apart from their compliance with legal requests to freeze accounts. For users who treat PayPal like a sort of bank, this is a problem. I'd also like to see the clauses in Stripe, Square, etc agreements that parallel PayPal's position that they can decide who is doing mean things on the internet and fine them for it.