True, combating fraud is very hard! And PayPal has used a very clever strategy there. PayPal is changing now, a LOT. After David Marcus and Bill Scott, things

True, combating fraud is very hard! And PayPal has used a very clever strategy there. PayPal is changing now, a LOT. After David Marcus and Bill Scott, things are now in motion for the better! I'm sure in an year or two, we'll see PayPal in a much different way than what it is now.