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You are completely right. The problem is certainly not "fraud monitoring", and it's not a problem specific to Paypal either.

The problem is in the attitude. Being French, I'm well-trained in dealing with soulless bureaucracies; but with the French administration (or probably any public administration in most countries) there is always a way to escalate the issue; and if you were right, you very usually win.

But these companies are judge, jury, police and executioner. This can't go on forever.



For that kind of problem the solution seems to be forcing a fast arbitrage system.




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