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Corporations still manage to maintain the illusion of decency and customer service

I'm baffled by this. Paypal does not. 28 days ago I wrote this comment on HN: https://news.ycombinator.com/item?id=13624393. I'm sure that in the future I'll be reading another Paypal horror story from someone like you, who somehow thought, "It won't happen to me!"

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Same here. Most people tend to downplay risks "because they're big", but there are alternatives and it's worth missing a few opportunities for a lower risk.

E.g., I don't go to USA conferences because of the TSA risk, people find it funny, yet I keep hearing horror story after horror story. For Paypal, though, people take the risk unknowingly because they aren't aware of Paypal's reputation, which is more understandable.

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