I started the following petition related to the mission of our nonprofit:
We need to be able to pay to our own PayPal merchant account with PayPal.
Now in the most silly way we need to find a friend, send him money (and hope he is a real friend not a thief), etc. It is a complete idiocy. It just blocks much of business and nonprofit functioning.
PayPal forbids to pay to myself in a no reason at all. Write to PayPal that this is a restriction for the sake of restriction.
However, yes, a user needs to be warned (and notified that he loses some money) when he pays to himself. But if he wants to pay he should be able.