I know your pain, but that said; you don't have to be 'another Paypal' by being a bastard about things; fast response and explaining why you do the things you do instead of just closing an account and saying 'rules blah' when being publicly (on HN) (and yes, I am aware of the scheme rules, hence I know your pain, but explaining yourself will keep people happy, hiding behind banking & scheme rules with unhelpful canned responses does not) outed for what you did is not acceptable in this day and age. Paypal is hated by many for this behavior, as is Google. Why do you want to join those ranks instead of explaining things like you did here?