Re: "PayPal is terrible"
No, the problem was the dimwit AT&T "technician", and a lack of AT&T gumption when it comes to how to react to individuals' repeated call-bombing the help and support center sans proper credentials.
The PayPal part is the one where the attempt to make them act like a real bank hits their terms and conditions. I've only anecdotal evidence to offer, but there seems to be no dearth of people who are less than impressed by the problem mitigation offered by PayPal. The victim (who is of course being blamed in these comments - big surprise) is expressing a lack of sanguinity vis-a-vis a speedy and angst-free resolution of the breach caused by a dimwit working for AT&T.