So I wonder what level of person-to-person transactions with Dwolla before they start freezing accounts. How do we know which merchant accounts are "special" merchant accounts (and thus allowed) and which are not (and thus risks losing funds)?
That's pretty simple to check. If you have to be verified, need to have had an attached bank account for 30 days, and have your hub page on to send them funds, then the account is specially allowed by Dwolla to handle Bitcoin-related transactions.
This is just the legalese to back up that change they added a few weeks ago.