No clue what FUD or that person is. Where has what I said been disproven. It hadn't been. No one here has said how a PayPal gift from the balance can be reversed because it can't be said
I did some searches on google and found things which are very unclear from the point of view of reverse transaction , some say that they do have reverse stuff if you call the credit card issuer and do a charge back/Payment reversal.
Have a look to the thread:https://www.paypal-community.com/t5/Refunds-and-cancellations/Gift-payments-reversible/td-p/462611This has been discussed a lot of times here, there's no need to go again trough it. One way to charge back
anything on PayPal is to claim the account was compromised. PayPal can always be charged back, there's no way to guarantee it won't, therefore it all depends on trust and reputation and OP doesn't have any.
OP if you want to take a loan then offer valid collateral, if you want to buy BTC then don't use PayPal or other reversible method, simple as that.