Just like everything else, they do it because of the number of scammers there are in the world.
If they did not hold your money, you could run off with $$$$$ and then paypal is left to fit the bill.
There business would not last paying off this kind of debt. So even though i hate the 6 months payment hold myself, i do understand why they feel the need to do it.
So the way to beat this, is to have a multiple number of accounts running at one time, so that it one paypal account is hit with a limitation, at least then all your eggs are not in one basket and you can still carry on plodding along.
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