I am going to repeat this, as I don't think you caught the key noun: if you are going into business then you should be making a point of always reading the fine print. You don't hear about "power users" running into serious problems with PayPal because "users" are the core of PayPal's risk model. In stark contrast, this failure of a situation is a business attempting to deal with over one hundred thousand dollars via PayPal... I have absolutely no sympathy for them--or any other business--that can't take a few minutes to read "the fine print", doing even basic due diligence into "am I allowed to use this service for this purpose"; reading the contracts you agree to for critical services like payment processing is fundamentally different than reading the terms of service on your Gawker account: you should understand what you are agreeing to in full, and should not be relying on some cribbed cheat sheet of "the big stuff" handed to you by the service (as you argue should be provided, in this and other threads). Business involves lots of agreements, these agreements have to deal with tons of complex contingencies, and if you don't take agreements seriously (and likely it you don't actively enjoy reading them) you simply shouldn't be in business.