I do apologize, but I am about to digress. Paypal at its very fundatmentals are sketch as ____, they do not consider themselves a money institution. They are not a bank, so when you do business with them they have very few standards which they are required to do business to (as a bank would be required), its like letting a neighbor hold your money. They can just lulz and walk away. A bank wouldn't be able to hold your money hostage for months without repercussion. Moving your money into paypal is on par with converting it to paypal's own fiat currency. It stops being money until you pull it out of their system (if they let you, lulz).