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If you have answers, please help by responding to the unanswered posts.
My guess is the reason people have their accounts locked is because they tell everyone to use "gift" as the payment option in order to avoid the 3% transaction fee. Paypal tracks how many gift payments you recieve and will lock the account if they feel the gift option has been abused.
All they did to me was made me get verified....They apparently count received money towards your unverified account limit of $500, so I hit that limit in a week