If you're having issues with your account after making friends & family payments, it's most likely due to something else. I've sent and received hundreds of transactions, possibly even a thousand or more, with people via PayPal friends & family in other hobbies and from playing poker or fantasy sports with friends. We use it all the time. Transactions ranging from $20 to $20k+, all via friends & family. Many of those even being international transfers. Granted, it's a much closer and trustworthy community of people than the sports card hobby, but I have never had issues with my account and neither have my friends.
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