[jkaplowitz]

Does Venmo have many international users in practice? Venmo's terms of service require that you be a US resident physically in the US in order to use it, so I'm not sure how things would go if someone from or in another country were to try a lawsuit or arbitration relating to Venmo.

But I agree with your broader point, both in general and about Venmo and PayPal. They are shady enough companies that I don't have a Venmo account, leave my PayPal account dormant with no bank accounts linked, and opted out of arbitration when PayPal added that.

Most people are also unaware: PayPal owns Venmo.