[otoburb]

After reading the horror stories on the site, I can't help but ask if PayPal is trying to push business to the insurance industry?

These horror stories may provide incentives for more "progressive" insurance companies to create exotic insurance instruments covering large ecommerce providers, insuring against the chance that the payment provider will arbitrarily freeze your account when you need it most.

For all the epic fails that we read regarding PayPal's seemingly draconian fraud detection department/algorithms, one wonders what the percentage is versus overall PayPal transaction volume.