It's a business like any other...they are in business to make money. You would get this from any other institution as well if they felt they were being abused. Let's face it...we do at times abuse the system if it benefits us in some small way. Paypal is under no obligation to provide that "personal" option...they only do so as a small favor/incentive for their loyal customers. I dare say nobody's bank offers such a service lol. Keep in mind we are really talking chump change in the grand scheme of things here. We are getting a safe, secure and reliable service at a reasonable price as far as I can tell and I can't begrudge Paypal for their profit for said service.
Short version...straighten up and fly right Splave!