Fiduciary duty should be to prevent customers from being scammed themselves, not to prevent them from purchasing things they want. IE Nigerian puppies is probab

Fiduciary duty should be to prevent customers from being scammed themselves, not to prevent them from purchasing things they want. IE Nigerian puppies is probably a scam, but of, "Hi, we're Paypal and we've decided to just keep your money because you ordered a reproduction Civil War cavalry saber and it's against our TOS" is just bull. It's one thing to have some sort of fiduciary duty to protect customers from scams. It's another to impose government or public morality on the commerce a service is gatekeeping. Especially when said laws prevent access to the marketplace without going through said gatekeepers.