At some point, Paypal has started doing background checks to come up with security questions after the fact

wtf? paypal keeps pestering me to link it to my bank account, with the incentive that i won't have to pay fees to transfer money to friends. i've held off out of a vague feeling that they'll find some way or the other to screw me over once i do; stories like this make me happier that i've listened to that instinct.