Being small does not explain total customer service failure, the lack of daily reconciliation reports (which would spot things like $x0,000 deposits that weren't tied to a purchase), or the dishonesty about the ability to enumerate emails on other payment platforms without getting banned.
That said, this is HN, so I'm already banned for saying something very slightly critical of a YC company, even though that company is fucking up hard.
There's only one explanation for why you can't get service for problems unless you're featured on reddit, why they don't care about security, and why they're flagrantly dishonest in their comparisons: because they don't respect us, at all.
There's one reason to believe they have ill intention: their habit of ignoring serious user problems (lost deposits, security problems) until they're widely public.
Their actions make clear that they are enormously untrustworthy.
That said, this is HN, so I'm already banned for saying something very slightly critical of a YC company, even though that company is fucking up hard.