Out curiosity, why wouldn't PayPal just put categorical warnings on the payment page that allows merchants & buyers to assess the risk themselves?

So if a merchant understands these relative risks, they can opt in to a high risk warning category, in order to make sure accounts don't become locked, and buyers can then fully understand what they're getting into via the warnings.

I mean really this is all about liability right...or maybe is it that I'm expecting too much...?