Thats a good point, in case you get banned you'd just invest gained money on a new paypal account and so on.
Anyways on this point
With paypal payment? I mean once you get the money on the credit card doesn't your bank ask where they came from?
That said from my "virgin" point of view the only thing you have to worry about this is not getting people too suspicious till they give you the money. I guess the key point here is that they won't ask paypal for a refund so easily once they give you money because of the problem of giving a motivation.
My bank did not ask me any questions, it was spaced out over 2 years, it was actually a fair bit more than 90k but im not sure the exact amount lol.. i wasted it all on hotels, girls, alcohol and drugs haha, biggest regret of my life i wish i had invested it! My paypal was banned several times a month, I had a rolling reserve put on my account so they took 30% of every payment and held it for 3 months before releasing it, but I always got it back as I wasn't doing anything "ilegal".
But no, my bank nor any authorities asked me one single question lol