Somebody said the main reason to PayPal's success was their ability to limit fraud. Maybe that is true. Strict policies lead to this kind of problems. And when dealing with thin margins and small customers personal service is bad for profit.
Of course, they spent ~60 million "buying" customers to get their network effects to scale (join and get some $$ free) according to Elon Musk, so fraud limiting wasn't the whole story.
The silent majority uses it, is not interested in the workings of the system and the small amount of gone bad edge cases.
Imho it's sloth - or exactly the same reason, why all these "great leaders" (aka politicians) get voted into office time after time. ;-)
And I am as guilty as everybody else.
The companies which handle your money seems to have the worst customer service. I don't understand how they get away with it in the marketplace.