>>> PayPal wouldn't use this approach if you were right. They'd have a 0% use result. They have billions of dollars in transaction volume at stake, they're not going with an approach that guarantees a 0% outcome.

Doesn't mean anything. They could have not thought of it at all, or tested it on some platforms were it worked while some others don't.

Billions dollars companies are not immune to bugs and typo. I have seen some by my own eyes.