PayPal has reinstated it's $2500 fine for misinformation.
This is how it works:
(media.communities.win)
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If you're a business, with $1,000's running through it wouldn't be so hard.
They could do it easily on any account. They just 'charge you'.
And if you 'don't have money in the account', it will be recorded a debt (just like a credit card). And just like a credit card, they can 'come after you' for it.