The way PayPal risk management works is to dump the whole problem on the customer, never on themselves. This is why the "guarantees" on ebay are useless and actually a hassle for all parties, except paypal/ebay.
Try getting a false charge on your paypal card - the moment you notify them, they instantly cancel the card - but to get the money back you have to file a written snail mail report - and then they do not send you a replacement card automatically, they allow it to remain canceled and never support you otherwise unless you specifically ask for another card which will take at least two weeks to receive.
They have no problem with people leaving them as there is an endless supply of newbies and near zero competition with easy entry, because they aren't competing as a bank and don't have to obey banking laws.