Start your own competing service then. Seriously. Then you'll understand why things are the way anigbrowl explains. The one "divorced from reality" is you. Ther

Start your own competing service then. Seriously. Then you'll understand why things are the way anigbrowl explains. The one "divorced from reality" is you. There is significant cost associated with PayPal's operation. Their management of all this risk is what earns them their profits. PayPal provides a service and you are getting benefits from it at a relatively low cost. They are taking risk on from you selling stuff that is making them very little money (trinkets and baubles, as you described). I'm not saying PayPal are a bunch of saints, or that they don't have some policies which aren't right. As a musician, I find the situation described in the article to be abhorrent, and it's behavior like this that prevents me from using PayPal except as a last resort. But what you are saying basically boils down a temper tantrum about how things should be different. Well, if you have an idea as to how to do this in a way that doesn't bankrupt you, there's your entrepreneurial opportunity. Go change the world.