> They randomly withheld £20k from a business I was involved with for no stated reason and no direct means to talk to a human about it. It took months to resolve.

If only there was a regulatory framework to turn that into an extremely simple court case, and to also punish attempts of PayPal to ban users who stand up for access to their money.

If they’re a near-monopoly they shouldn’t be allowed to set their own rules.

Why would you keep any money on PayPal. It’s just a pass-through to your bank account, accepting payments without giving your bank details to strangers on the internet.