Having done numerous transactions on paypal you could find that you have done one payment that is not alright. It could be that you have paid for an item and that thing has not been delivered to you. If for instance you ask that paypal reverse that transaction one would ask them if this is a possibility. And what if you did not authorize a transaction yet you find that you have lost some money? This is not impossible since there are now very manly people who like hacking into systems to withdraw or redirect cash. One would ask themselves in such instances whether paypal refund is possible. For any organization to be trusted they have to have a system that is secure. However when such a problem occurs it should be the responsibility of the organization to refund the money and seek to find those perpetrators at their own expense.