Many will have no problems. The error rate is only about 2%. But, if you have a problem you have it at 100%.
Exactly so. In my brief experience with PayPal it became abundantly clear that they're set up for a very narrow spectrum of normal and they are utterly incapable of handling exceptions to their definition of normal.
In my mercifully short experience with them, the exact details of which are lost in the mists of time, I had bought something on Ebay and used PayPal's dubious services to complete the transaction. I received the goods, the seller appeared to have received payment and some minor functionary at PayPal called and insisted that I do something, I can't remember what it was but I do remember that this specimen as really insistent.
I told this being that I wasn't going to do anything, nothing, nada, zip, zero for them. That if they had some problem or another then they could damn well solve it without my participation.
They insisted, to which I responded "Close my account. Now. This instant." The response was that in order to do that I had to appeal to some other part of their bureaucracy.
I said that I had just notified a representative of PayPal, that was sufficient and that if I ever, as in ever, was contacted by them for any reason or if they ever, as in ever, touched my life in any way that I was fully prepared to engage my attorneys and drive them into the sea.
This prompted the thick-accented being from somewhere east of the Levant to put a gringo on the line. I repeated what I said to the ethnic lackey to the English speaking specimen. She said that Abdul or whatever its name was had been correct and that their policies were thus and so and that was that.
I explained that I did not work for PayPal and, that being the case, my lack of interest in whatever policies they choose to affect was total. I repeated my previous request that they sever all contact with me, obliterate any relationship they might think they have with me, and never contact me again for any reason. Any reason. If they didn't comply there would be lawyers.
The gringo then put her wing commander on the line who repeated PayPal's position. I repeated my response and added that if it came to lawyers that he would be named specifically in whatever action I decided to take. This one hung up on me.
I've never heard from them again. Thankfully.