Fwiw I've heard many horror stories about Paypal

Paypal is not considered a bank, which is the root of many problems we are facing with paypal.

I had the California State Board of Equalization empty one of my bank accounts without warning because they thought I owned them back taxes. I had moved out of the country and wasn't filing California taxes, which was a mistake. You still have to file a 0 tax.

I still haven't gotten my money back.

Dude, there are whole countries where the Goverment just stopped everyone from getting their money out of the Bank. Greek for example, just a few years ago. It's not something very rare nor do you have to be in a third world country.