Paypal, Zello, etc...... None of them care about protecting anyone. As long as money flows through their system, THEY are making money. The money going through gets invested. Don't think for a minute that they are in business to do the public justice. They benefit from chaos. When something goes wrong and a claim is filed, what happens? The money sits there and makes them $$. The goods in question, they could care less...... After 90 days they return the money to the crook (the company has more than doubled that money) and told the victim to "pound sand". This is why I NEVER EVER use these services for anything. If a private entity or business prefers to use Pp, I just move on.
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