I do not want to be blunt, you are just covering your tracks. I will jiust go full Free to Play. And this issue with people abusing Paypal is part of the business, you have a sinking fund or reserved fund to offset this kind of loss. And I ask my bank about why my Visa Mastercard was denied access or closed on some transaction , she told me its on the website and my card status is OK across the board, if it was closed then I should not have access to Paypal. Please lets be honest!