Not a bad idea at all. I wonder though, since the buyer can file a complaint directly through PayPal if holding the payment would be enough. It would be sort of

Not a bad idea at all. I wonder though, since the buyer can file a complaint directly through PayPal if holding the payment would be enough. It would be sort of like having all credit card-paying customers initiate chargebacks when they want a refund. Admittedly I've only recently begun using PayPal for selling so I'm still a bit unsure about how they handle some scenarios.