Paypal does this sort of thing all the freaking time, but I found this tidbit particularly amusing:
PAYPAL: I havenít seen that PDF. And what youíre doing is not a worthy cause, itís charity.
ME: Whatís the difference?
PAYPAL: You can use the donate button to raise money for a sick cat, but not poor people.
They're in a nice little state of limbo where they have all the profit of a bank and none of the (lol) responsibility of one.
Furthermore, I think Guantanamo must be destroyed.