No need to argue anyway. All I did is making clear that you do not have any legal claim to hold Paypal responsible for the promise in it's advertising in Germany, and that people better should check the legal status regarding the law-situation in their own respective countries.
It is also neither my "opinion" nor my personal experience since I do not use Paypal anyway. It was the finding of a research done by a serious economic and finance TV report on second major TV channel ZDF in Germany, named WISO. They found that there is no increased customer protection that is legally manadatory in any form, and that paypal refused to stand by it's advertised promise in several examples they illsutrated in that program. They critised the advertising for being very misleading, giving the impression of legal safety that is simply not there on the basis of german legal backgrounds. Again, this was no B-movie show, the program is quite known and popular in Germany. They release tax calculation software every year which is I think the most used of it's kind in Germany, and supported by the ministry of finance. So, consider them to be a reasonably serious source.
On the legal situation in the US I did not comment. I just recommended every user to check the legal background in his country for sure before putting all his blind faith into paypal and feel safe. It could be different in the US - but it must not be. Just check it in your own country to know for sure where you stand with using Paypal in your country.
That's all for now - and was all from the beginning.
And me - I feel a bit exhausted now...
