>at any time they can freeze my funds That's true of any service though. Just because they haven't yet doesn't mean they couldn't in future. I think payment p

>at any time they can freeze my funds That's true of any service though. Just because they haven't yet doesn't mean they couldn't in future. I think payment processors must have very similar mean-transactions-between-failure and the smaller operators aren't yet handling the scale of transactions where you'd start to see failures.