I can't really comment about their lending platform as I have never used it. Nor will I. I have no interest in risking my bitcoin in some questionable loan collateralized with centralized, fractional reserve (un)stablecoins.
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They have always been P2P, but many years ago they swapped from a site purely listing peer-to-peer trades (much like HodlHodl is now), to requiring accounts, verification, KYC details, and centralized wallets. So although you still trade peer-to-peer, it is entirely centralized and therefore, like all centralized exchanges, neither private nor secure.
and that's how bitcoin sellers got thrown in jail for running unlicensed money transfer services/businesses here in the usa by using LBC too much 
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Well, because PayPal will log your bitcoin purchases and transactions against your real name and identity and hand all that information over to blockchain analysis companies. But as mentioned I would steer well clear of PayPal at all times.
maybe that's why. another reason might be paypal reports crypto transactions to the irs or other government taxing authority not sure if they do but i would assume so. anyone using something like bisq or agoradesk is not a newbie and they have their reasons. no one just wonders on to a site like that and starts buying bitcoin with paypal. it's either some or all of those things or they are trying to scam.