[zacharyvoase]

As a non-lawyer, I'd be interested to know if existing Paypal customers in the US can request a declaratory judgement on the enforceability of the arbitration clauses. I feel there would be a beneficial chilling effect on service providers if customers could bring class-action suits for declaratory remedies about adhesive and unconscionable/inequitable terms of service—that is, without having to first breach the terms of the contract (which could only happen on an individual basis and in which case the playing field would be massively un-level).