The TRUTH about PayPal and, thus, it's owner eBay:
"With PayPal, your money is deposited into a PayPal Account, which PayPal Fully Controls. Since PayPal is NOT a bank, they do not need to follow federal banking regulations. These regulations are designed to help the "Average Joe" avoid issues like having their bank account frozen for weeks or months with no explanation.
"Who would trust their money with a bank that could do that?"
Sadly, Paypal routinely freezes its customers' accounts for almost anything and without warning. Once an account is frozen, the funds are often held by PayPal for months on end with Absolutely No Recourse for the merchant.
A domino effect occurs when a PayPal account is frozen, leaving the merchant with No Means To Fill Orders. Those orders are then disputed by customers, creating more chargebacks and the illusion of fraudulent activity on the part of the merchant."
*Source: 995 Merchant Accounts.com
There is a reason PayPal is constantly being investigated by the Federal Government. Look into it before making accusations.