The Paypal user agreement allows them to hold your money for 6 months for any reason or no reason at all.  In addition, everytime you receive a chargeback, the 6 month clock starts over - so even 1 chargeback can techncially allow your money to be held for up to a year if it occurs at the end of the 6 month holding period. You agree to it when you open your account - you can't sue.

Here's an idea...WHY NOT USE BITCOIN FOR THESE TRANSACTIONS???