Yeah, but they have my XMR. So your telling me if you went to the bank, handed them a $100 bill and said, "please deposit this into account #012345678 and instead of doing so, they just decided to keep it because you didn't tell them the name of the persons account, you would be OK with that?

The least they could do is say, Hey, we need to know the name of the person on the account so we can deposit the money.

Obviously XMR doesn't REQUIRE a payment ID.

And at the end of the day. They are the ones keeping my money. Not the web wallet.