I only made a statement about &quot;the only stories I see&quot; and then went on to ask, in what I felt was an open and polite manner, what experience this person had that led them to this position. FWIW, I read in detail most every thread here I see that has any mention of PayPal, and I honestly and truly have never seen anyone tell a story that wasn&#x27;t them effectively trying to get PayPal to provide them a loan of funds. People have a complete misunderstanding of credit, try to model it as if it were cash, and then are somehow surprised by the result. I have absolutely no sympathy for that position, and neither should you. Maybe, though, this person&#x27;s experience is different: I continue to be interested in their story.