Of course what you say is true. Let me put it another way: when my CC issuer detects an anomaly, they block the charge and contact me rightaway to resolve it.

Of course what you say is true. Let me put it another way: when my CC issuer detects an anomaly, they block the charge and contact me rightaway to resolve it. I don't fear anything because I know they'll do the right thing and keep me in the loop. Why can't PayPal have such a symbiotic relationship with their customers, rather than instilling fear?