> you can't control

Well, they're not above the law. They're effectively a bank and must follow the laws in the countries in which they operate.

Paypal is very specifically not a bank and does not have to follow banking regulations

https://en.wikipedia.org/wiki/PayPal#Regulation

Paypal was granted a banking license seventeen years ago. This has made a lot of people very angry and been widely regarded as a bad move.

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