Once, my brother tried to sell a virtual game character using my debit card because he was too young to have one. I made a Paypal account, let him use it, he was immediately scammed and the scammer, once caught, reported my brother (re: me) for fraud. So, I was kicked off paypal permanently.
It took 5 hours of calls to Customer Service, six years after the original incident, to get to a manager who would listen to my story and make a judgement call. Paypal account restored in full.
Now, my job literally pays me through Paypal. I am a freelance writer, and without paypal, I'd be without a job.
My fear is that I put the wrong zip code on a package by accident, and my account gets flagged by some impatient guy for fraud, and I lose my job.