Wow, I feel stupid because I can't figure out what the author is trying to tell us. Maybe someone can help me? (Use small words, and write slooooowly...)

is it: person A has a PayPal account, and person B spoofs a Skype account and is able to withdraw funds from person A's PayPal account?

or: Same as above, but person B has a real Skype acount...

or: person A has a PayPal account and a Skype account, and person B is able to spoof something-or-other and withdraw funds out of the PayPal account....

or... ?