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tl;dr: The hours spent are probably not proportional to the monetary gain, so consider it a hobby.

Conversely, I’ve read other HN stories where big players will react to small claims court.

I would be more than satisfied if I had to eat the loss, but PayPal lost their license to act as a Money Services Business, at least in my state.

You don’t seem satisfied in spite of the default being that you eat the loss.