rsot, if your logic applies across the board then:
If your supplier provides you with his banking info to pay him via wire and then you later decide that your supplier owes you money, you can use the info the supplier gave you to debit his bank account.
If you give your gym your bank info to charge a monthly recurring membership fee, then they can charge that same account at their discretion if you damage a piece of equipment.
Your logic states that if you give your banking details to a party, then they can do whatever they want with it as long as they believe they can justify it on their end.
If you are saying that only Paypal has the privilege to debit your account at their discretion, what makes them special? It isn't in their TOS because it is illegal so what makes you think that them dipping into your bank account 4 years ago was in anyway permissible.
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