Ive had similar thoughts about paypal for a long time after they randomly shut down one of my accounts for unspecified suspicious activity and was doing everything possible to not deal with it and fix their mistake. And I know I wasn't the only one either. And yet it still survives to this day.
My favourite thing is how they wait for you to put money in and then lock your account for ID verification/adding a bank account. They know that 99% of people would just exit the site if they had to verify on registration, so they wait until you get paid, holding your money hostage so you have no choice but to verify or lose the money. Skrill is the worst, their ID verification is all automated, wonder if they deleted my $900 yet after 2 years because i just couldn't be bothered sending ID for a 5th time.
