I'm definitely in agreement here. It's interesting the point you make about Paypal's dispute process being more "shoot from the hip" than a run-of-the-mill bank

I'm definitely in agreement here. It's interesting the point you make about Paypal's dispute process being more "shoot from the hip" than a run-of-the-mill bank. I wonder if that has to do with organizational structure or exemption from some type of regulation. I'd also appreciate clearer standards, and better due diligence from the disputer's end. It's not fun to get a "won't let me cancel my account" dispute when the 'Cancel Account' button is high visible and the customer never got in touch with anyone in the organization. It's just a mystery. Are they being dumb? Is our UI awful? Accounts are cancelled successfully every day -- what went wrong here? It's nice to try to keep in mind that we very much live in the future, and although online banking and payments can be frustrating, I'll likely walk into a bank once a year maximum for the rest of my life.