"it would end up like paypal" Am I mistaken, but doesn't Google/Youtube do this already? I mean they aren't a payment processor like PayPal, but they shut down accounts all the time for little to no reason and most users have no recourse.
PayPal waits to shut down your account until it has a substantial amount of money in it, and then when they do shut it down, they "freeze" (basically steal) it all.
