Edit: I just saw your response that you got it sorted out after typing all that. Of course you need to have one currency...
They have to take precautionary steps for people who haven't fully verified their account.
All I've heard is horror stories but I've never once had my account locked. I've never had an issue with a faulty dispute, I win those pretty easily and all the reps I've called have been helpful. I guess since I don't do much Blackhat shit or buy PP accounts, I'm less inclined to run into issues?
My account usually only gets payments of 10, 20 or sometimes 50 in there on a semi-regular basis. However, I understand there's a system for catching unusual activity or unusually large amounts of cash coming in so I wanted to test that. I had $600 come in and I wanted to see if it would lock me out but notta.
As far as your situation: I'm not sure what you expect us to really be able to do for you? It sounds like there's a spending limit on your account but if all else fails, you need to call them. They have great support if you're cooperative and the account is in fact you.