I'd like to know more. How did BillMeLater know your phone #? Did PayPal/BillMeLater absolve you of all charges, considering they basically bill anyone someone

I'd like to know more. How did BillMeLater know your phone #? Did PayPal/BillMeLater absolve you of all charges, considering they basically bill anyone someone else points to? Many of our financial systems rely on trust alone. For example, anyone you give a personal check to can drain your checking account. All they need is your account # and routing #, that are on the check.