It's not actually that sensitive a risk profile -- Paypal has shown itself to be untrustworthy with how it'll just freeze an account that you have a bunch of money in or explicitly suck extra money out of your bank account or with the updated terms of service last year that they "backed down on" only slightly. Paypal also owns Venmo, so I won't touch that one. Not sure about CashApp, but I only see it listed by sketchy people and instagram influencers, so I've never considered it trustworthy to begin with. At least Zelle was part of the services provided by my bank (Chase)? Clearly it's worse than that initial impression in practice, but I'm not sure that it's really worse than Paypal or CashApp?
