He knows that he broke the T&Cs - learning to cry for fun and profit.
The sad thing is that TY’s dad coined the term “meritocracy” and he’s the only reason why anyone pays any attention to Toby.
How have they ever scammed anyone?
These exact same talking points were all over Twitter, but with no more substantiation there than you've given here.
It seems that you being a PayPal apologist without having a clue yourself being able to mention what T&Cs all those examples broke, essentially proves my point as to how PayPal can do this arbitrarily to anyone for no reason and they don't care if your business or non-profit dies.
[0] https://twitter.com/llsceptics/status/1567658400573448192
[1] https://www.telegraph.co.uk/news/2022/09/21/paypal-shuts-acc...
[2] https://twitter.com/flipper_zero/status/1567194641610465281