Earlier quoted context omitted.
If you read the actual blogpost, it was more likely an administrative mistake earlier in the process that was then difficult to undo, and no one really giving a fuck on paypal's side. Attribute things to incompetence before malice and all that, especially when attributing it to malice requires thinking they made a fairly odd decision to outright lie to customers about why you are ceasing doing business with them.
Sufficiently prolonged incompetence, when the resources are available to easily correct it, is malice.
> (poorly) made up excuse to ban undesirable users.
I suppose I'm not interested in debating the definition of malice as it relates to actions by a large corporation...