That sucks brother. I've heard this story so many times. Never Never Never keep any money in Paypal. If you're going to use Paypal at all utilize it as a pass through gateway. Money goes out the second it comes in. On the upside, I'm so excited about decentralized technologies (P2P & blockchain) sending Big Tech companies into obsolescence. Most people don't see it yet, but it's happening. People will free themselves from these internet ghettos that they've been herded into. There will be no censorship, no central authority, no friction or toll booth collectors, and no central point of failure. One day we'll remember Paypal, Google, Facebook, Youtube, etc. like we remember Blockbuster video.
RE: Does PayPal have a challenger?