The payment review stuff happens with regular banks as well. It&#x27;s due to vague money laundering legislation where banks have to act as police but have no guidelines or rules.<p>A lot of the other things people hate PayPal for is due to their reliance on the credit card companies and their own regulations.<p>I don&#x27;t say this to excuse PayPal, but to explain why ant competitor thst shows up will have the same problem. Just look at the Bitcoin exchanges - they should have the most leeway yet people aren&#x27;t happy with them either due to stringent KYC rules.