I know that feeling on PayPal. Same thing almost happened to me. I use to have some strings with PayPal back about 8 years ago. I talk to a Senior Executive and they basically told me if I kept like 30k at all times in my account based on my volume it would bring my risk level down due to their ALGO. So the past 8 years I have had a stack of Cash I can't touch and earn no interest on sitting there to appease PayPal. Then if they ever do decide to Limit my account those funds get locked for 180 days.