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And that's... exactly what's going on here, and what everyone is bitching so loudly about.

I'm not saying "don't bitch about paypal", I'm saying "paypal doesn't carry a lot of risk in the first place".

> I'm saying "paypal doesn't carry a lot of risk in the first place".

They do in the first place, which is why as an immediate second step, they protect themselves against that risk by keeping money in an escrow.