I have been a PP user for a long time and was temp limited once because they picked up on an address change I failed to report.

The excuse was they wanted to be certain there was no fraud or ID theft.

I could not live without them because 1 of my legit online businesses relies heavily on them for payment processing. It is just to easy to loose a large segment of your sales/purchases without it.

They are not a bank and have much different rules then many financial institutions. They protect themselves before all others and co operate with LEOs.