I guess I had a different type of eBay/PayPal account, they did automatic withdrawals for years with me in several situations;
- when they collected the eBay
monthly fees and listing charges
- whenever I wanted to pay monthly bills like online subscriptions, scheduled donations, or website hosting fees
- if a buyer demanded a return
- if I purchased something
If they did not have access, then they would basically be loaning people money or billing and waiting/hoping people pay on time. (I cannot imagine the logistical nightmare of them freezing accounts when people did not pay their bill on-time.) I am not aware of any online service (for example, website hosting services) that operates on 'credit', they all demand that they have access to a payment account upfront.
Edit: I think that there is a legitimate complaint with them 'holding' the payments received for a few days; obviously a 'profit center' for them to generate huge amounts of interest on money which is not theirs.