Especially since PayPal has a history of locking people's accounts.
Back in the day, people used PayPal for e-commerce and if they didn't like you, say you sold "Fuck PayPal stickers", they would absolutely freeze your account with all the money in it.
Wait you read sci-fi where a planet has THREE governments?
Maybe I'm reading bargain bin material but the stories I see is a mono-culture, with a mono-religion and if I'm extra blessed, a single ecosystem like frost planet, or sand planet.