You forgot the part where someone logs into your account from Eastern Europe, drains it, then uses it to perform fraud transactions on eBay, and PayPal does nothing, so you take it to the internet for some payback.

PayPal can be harsh, I get that, but I also understand that:

1. They have 100 million active accounts which leaves even a small number of bad experiences turning into floods on the internet.

2. Being able to prevent fraud is 95% of the game in this business.

3. More than half of those bad experiences are downright un-true (leave out parts of story) and involve some type of shady operations by the user.