[ycskyspeak]

The problem is at the scale of which Paypal operates. They are huge and the fraud measures in place have not kept up with the needs of the various use cases. Fraud is dependent on the use case and there is no one size fits all. That is why PayPal gets a bad rap for freezing assets and generally being this monolithic entity that keeps bungling up. Dwolla/WePay have to focus on niche use cases and define their markets in terms of how many core use cases they can effectively service. Fragmentation is the only logical conclusion to scale.