I think this is driven by those that have bank accounts purely for Paypal and the empty funds so there's no possibility of a refund.
On my recent claim Paypal found in my favor but, guess what the guy had no funds in his account. I claim through my credit card and they credit me, thus Paypal is out the money. This is also why Paypal always defaults to a bank account payment as there is no reversal procedure.
I bet the 21 days will also become the limit for filing a claim, so if the item isn't with you on the 20th day you'd better get that claim in.
Julian
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