PayPal never steals all of your money. The worst that can happen is a 180 day freeze before funds are turned over to you, which is exactly the same way all payment processors handle risk issues. That's how long Visa/MC tells MAPs to hold the funds because that's the standard time limit on customers performing chargebacks, which becomes the basis of the policies set by the 3rd party processors that are in contract with MAPs to do the actual card charging.