And PP will take my word for it and not do any checks, right? And don't give me the "proxy story", because I can tell you how you could have your account limited in under 2 minutes guaranteed. Plus there are multiple other elements that I would rather not mention that define an "access" and Paypal just happens to have one of the most advanced real-time fraud and unauthorized access detection systems in the industry. You are just making assumptions. If you want to hear what I have to say about "irreversible" transactions, I could just say this (and I'm neither pointing fingers nor accusing anybody of anything) - I believe that a lot of people prefer these for one or more very obvious reasons only and we all know what I'm talking about.