The beauty of this (as far as US weaponization of law is concerned) is that yes, you are correct. But because there is functionally no customer service at Payp

The beauty of this (as far as US weaponization of law is concerned) is that yes, you are correct. But because there is functionally no customer service at Paypal, the Legal Department is customer service. So to even talk to Paypal about these things you would have to spend thousands of dollars and several months. And when you make a mistake in a way Paypal doesn't like, you'll be obliterated. Those of us who grew or lived in the third world will recognize the current status of US law under Biden quite clearly: "For my friends, anything. For my enemies? The law!", it's just now extended down to the consumer ToS level.