Unfortunately paypal tends to shoot first and ask questions never, so it affects more than just bad actors. For example, my mom had her account frozen after someone scammed her on an ebay sale- they returned the item for money back but sent an empty box. When she reported it, paypal froze ALL of her funds and defended the scammer. Years later, she’s still out a couple hundred bucks.

They’re also notorious for randomly freezing funds and leaving users with no records.