Without reading, my guess is something convoluted like sending physical mail under a certain weight or sending an email within a certain date that has already passed. Imma go read it really quick and let you know how accurate I was.
Edit: Apparently you can just do it in the settings. But they will still do it “as necessary for transactions.” Which means they’ll probably still do it and just stretch what “necessary” means as far as they take it. Which is equally as shitty.
Not the same person, but I do a credit card. It’s a lot easier to figure out a dispute with my card holder over PayPal. Plus I can cancel my credit card instantly instead of risking my personal information getting leaked as PayPal has done before. And if my PayPal got hacked they’d have access to more than just my credit card number.