The whole point many of us are trying to describe to people like yourself are that people like MYSELF are trying to choose the latter option, to not do business at all. However, I cannot even do that at this point. I cannot even close my account or remove my last linked bank account. Paypal rolled out this policy far after I signed up 8 years ago. It is extremely predatory to try to capture personal data and lock use and closure of the account if the user refuses. Nobody is trying to bypass federal law, security, or regulation, either. I sense a class-action lawsuit forming, especially if my bank account becomes compromised during this freeze period.
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