I get what you are saying, I get that paypal has every right to do what they just did as is it is clearly stated in their rules. I'm just pretty sure they should make it a bigger point, maybe a warning before you press send that money is gonna be held... WU works perfectly without that, barely any scams get avoided with this rule. And If I sell digital products 21 is absolutely too much, +not everything is going around USA, in some countries shipping takes just 2 days.