This is a terribly misleading response. You might as well point out that we're not forced to use banks and therefore they shouldn't be regulated either. The log

This is a terribly misleading response. You might as well point out that we're not forced to use banks and therefore they shouldn't be regulated either. The logic simply does not follow. In fact, he is not wrong to expect that reasonable regulation be imposed on a company which borrows and handles funds. Paypal's system is highly unusual in comparison to other comparable banking services and is predictably often the target of these types of complaints. Florian says the law is wrong, that paypal should be regulated as a bank. In response, you reject regulation in general. His position makes a lot more sense than your own.