It doesn't matter why his paypal is set as a businessaccount, the matter of fact is he's still running a business. He's selling customers services or in this case, files.
It's your responsability as a seller to inform your customers as to what they're actually getting and what they can expect of YOU and YOUR "company".
As for the part about paypal not prohibiting online services/goods, this is false, that used to be the case, however it was changed a while ago, you can read more about it HERE
As I already mentioned, I don't agree with the charge back, I think it should've been used as a last resort, the best case scenario would've been osman and rick being able to work something out together.
Should there be some sort of repercussion for this? Maybe. Should Osman inform his customers and actually set up an actual EULA/TOS? Absolutely, and this is not only to avoid confusion for his customers, but more so to protect himself.
By the logic of your last sentence, the people who purchased Volkswagen cars shouldn't even care about the fact that they were "deceived" and shouldn't be reprimanded, if they're not happy with the way their product was presented to them they should just move on with their lives.
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