alt Hacker News> If enough of these horror stories are publicized, people will learn to never buy/redeem Apple gift cards
You'd think so. Yet, the stories of PayPal locking up payouts to surprised people keep coming every year - and people still use them.
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> You'd think so. Yet, the stories of PayPal locking up payouts to surprised people keep coming every year - and people still use them.
At least in Europe, PayPal is a regulated bank which means you can hand the case over to the authorities and they can and will help you out.
I think tech people who read a lot of news headlines have a hard time grasping the scale of these services.
Commenters here talk about PayPal account closures as if everyone who uses the service will eventually lose their money. Now we're talking about gift cards as if everyone using gift cards will have their account locked.
These stories, while frustrating and sad, are rare occurrences. The majority of people who use these services will not have any experience like these stories you read.
To be honest, I think the average person is probably better at estimating their risk of using these services than a lot of these HN commenters.
I thought I'd buy Cory Doctrow's Enshittification ebook direct from his website. Surprised to be redirected to Paypal with no other option.
That's so much not a fitting comparison.
The most money I have ever had on my PayPal account was 100 bucks from a reversed transaction (like, double booking of a hotel room or wrong item sent), otherwise it's just a gateway. It would be annoying if my PayPal account was locked, because I use it a lot to order pizza online and a few small purchases. I could just use my credit card or something else but it's more clicks. And I know a lot of people who do it like this. The only thing lost is convenience. No past purchases, no digital identities.
Maybe you meant the merchants who really amass thousands but I suppose they are a small minority of active users.
This is a problem with modern life in general. Computing and the internet have exploded the complexity of society. Regular people have so much on their plate as it is (school, work, family, mortgage, etc) that they simply cannot keep up with all of the privacy and security risks of a digital life. They also can't keep up with the complexity of politics and civic life, but that's another discussion entirely!