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Keep in mind Preston -- neither Visa, MC nor the banks (other than the ones that issue Paypals merchant accounts to them) give a rats ass about Paypal or their clients.
They are under an obligation to protect themselves by whatever means they find necessary. The way it stands now, if -- and I am making a HYPOTHETICAL statement here ONLY -- Paypal, or any other similar company, were to go under, the card issuing banks would be facing multitudes of customers wanting to chargeback their PURCHASES at Paypal, something they wouldn't be able to do if Paypal were cash advance.
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