[jjav]

> if you transfer $100 USD they have a legal obligation to give you that amount

I don't think they have any legal obligation, given the large number of times they have decided to simply keep people's money and never return it for no discernible reason.

Sure, most of the time for most people you can get the money out just fine, but no guarantees with paypal (venmo, etc).

[acdha]

They wouldn’t need the terms of services clauses they’ve cited in those cases if they could just say “we have no obligation to give you the same amount as we received”.