Yea, years ago I was in the security space and got to talk to some paypal security folks at a symposium in San Diego. The level of stuff that they have to deal with is so extreme.

It's similar to how people don't like sites blocking entire countries or access from Tor, etc. You might be doing it for privacy...but all the people trying to commit fraud are also using those same channels to hide their identity. The blockades are one piece of a holistic security picture that frustrate the well intentioned users.

Yet another weak point. My question stands: A user with an OS from 2019 is "secure" and dozens of unpatched CVEs but a literally-last-night-patch OS is not? That's the "stuff they have to deal with"? I was lucky and did not make the mistake of joining a payment provider in 2020 or 2021 (I can't remember). The reality is that European laws are much harsher when it comes to payments and personal data protection and the security team I was being interviewed for was catastrophic(big part of the reason I did the "I accepted another offer already, sorry" card).

As for geo fencing or blocking Tor... HAH! As if that's ever stopped anyone with the will. That is the last concern of anyone with a malicious intent. Sure, it stops irritating kids but no one beyond that.

The simple fact is that cybersecurity was in an abysmal state before the slopification began and it's infinitely worse now. Paypal is no different given that much of their support has been outsourced to slop machines. Punishing the users that know what they are doing while rewarding the ones that don't is the most counter-productive and detrimental crap anyone could come up with.