You're entitled to your opinion. But I've personally met two of three team members. So these or not phantom people, trying to take your money.
Paypal doesn't seem to have any problems taking money for "shady" people and just refusing to pay out. In my mind, that makes Paypal shady - and not the people that use it.
> So these or not phantom people, trying to take your money.
Well Paypal doesn't stay in business on trusting the reputation of one or two people at a time. Trust simply doesn't scale like that. So while I or you personally might not worry about this, Paypal would still have to look at this through their dispassionate business case microscope to evaluate how risky the situation looks.
Paypal doesn't seem to have any problems taking money for "shady" people and just refusing to pay out. In my mind, that makes Paypal shady - and not the people that use it.