In my opinion, Paypal isn't scam but they provided very worst service.they close accounts for simple reason even without reason. Those 3 points you mentioned, i can't disagree with you but you should understand that, they have some limitation too!! It isn't possible for any platform to enable all features of crypto so soon while they just adpot it! So should wait more for their nex annonucment about those facts
Yes.. this is the biggest risk while using a PayPal account. Every now and then, they will make your account "limited" and for an uncertain period you will lose access to your funds which are stored in it. In most cases, eventually you may get back the access in a few weeks or even months, but this can leave the user very frustrated and bitter. And the addition of cryptocurrency to the PayPal account is definitely not going to make matters any more easier.