PayPal is protecting the customers and themselves because it has become clear survive is unable to. Any financial Institution that processes payments on-line would do a similar thing. Paypal laid it out quite clearly what the problems are. If survive goes under paypal would be on the hook. That is not fair to paypal or any bank really. What do you think would happen if survive only took credit card payments? Charge backs and whatever bank handling their payment process would get out quickly. How about cash or check? This exact situation minus paypal. The problem isn't paypal. The problem is and always has been making knives and issuing refund not from the money that those knive where purchased with. You don't spend money from a product you haven't made yet, not to mention one you took payment for 3 years earlier. That money is long gone.