While we are not involved in scams, you are right about Paypal.
They do keep hundreds of millions $ for 6 months (limited account) and they do earn a lot of money with this scam (interests).
This IS one of the Paypal scams.
Another scam from Paypal: they will block a payment to receiver (B) + limit account arguing some bullshit (payment has not been authorized or something like that) AND debit the same amount from sender's account (A) + limit account arguing another bullshit (it looks somebody else has accessed your account...).
So let's say payment is $1000. B can't cash in/out the $1000 he received (Paypal frozen it) and A owes $1000 to Paypal (or has been double debited of $1000).
Net gain for Paypal: 2000$ (if money is never unblocked) + (2000 x % interest x 6 months).
That's how Paypal works, and we have had many proofs of that, working with the bilateral accounts of victims of that scam (legitimate accounts and payments).
I know lawyers are working to file a class action against Paypal.
The point is Paypal is a big big scammer, but pretend to be on the right side of the law.
I am not a lawyer so I can't say if what they do is entirely illegal,
but one thing is sure it's totally immoral.
And who are the victims?
...honnest people, workers, who try to make part of Internet too, having no other choice to make
business with this absolute and dishonest monopoly...Paypal.
OMG!! Seriously man?! You have no right to talk those bullshit as you're much "Evil" and involving unsuspecting noobs in your fraud plan. If you're honest, put a sentence in bold that - whoever will give his own account to use in this business, will face legal trouble and jail time eventually, unless they have truckload money to pay best lawyers - do you have guts to say that?
While I have no problem your fraud business personally - I release paypal 21 days hold, so I meet those people everyday. They need not to tell me what they are doing, but I know it when I see a transaction in their account and it's a 400$ paid by some buyer for a i-Phone 7 plus. So I have no moral issue that you're doing paypal fraud, that's your call totally.
But if you really want to do it - why not you invest money and taking time to create your own stealth paypal accounts and aging them properly with transaction history and then after 2-3 months you can pull of that fraud. Do I really need to tell you how to do that step-by-step? Why you're taking the easy way involving unsuspecting innocent people and jeopardizing their life and social reputation in real world? Did you explain those guys what risks involve in this operation? Hell no! And that thing pissing me off!