This can't be understated.

My wife is a mid-tier firm attorney in (a field). Any contract generally has a low-level associate take a pass at the material, which she then scrutinizes, polishes, etc. and then shares with her supervising attorney, who also scrutinizes and polishes. This is then shared with the client, who has their own staff to scrutinize, who are relevant executives, content experts, and often in-house attorneys of their own.

Several iterations of this cycle are the bare minimum. Because this process involves low-tier associates being taught by upper level attorneys, the "basic" stuff that top experts take for granted gets scrutinized and explained, as well, so even the parts you think of as "stock components" are being carefully looked over and considered at length.

There isn't a single word in those contracts that hasn't been reviewed by at least a half-dozen experts.

I'll note that what we're all reading is not changes to the User Agreement - it's a summary of coming changes. I went looking, and as far as I can tell the actual revised agreement is not currently available on PayPal's website - only the agreement currently in effect and this summary of coming changes.

In fact, we do not get to see the actual changes to the legalese until they go into effect, or that's how I'd read the current agreement (emphasis added by me): "We may amend this user agreement at any time by posting a revised version on our website. The revised version will be effective at the time we post it. If we change the user agreement in a way that reduces your rights or increases your responsibilities, we will provide you with 30 days’ prior notice by posting notice on the Policy Updates page of our website."

So apparently we get to see vague and/or possibly misleading summaries and make our decisions based on those, but we do not get to see the actual text prior to deciding. I originally had hopes that we'd get to see it around the end of February (~30 days before it goes into effect), but the statement I italicized above indicates that we don't.

It's still an ambiguous construction in the middle of a standard form contract, which is bad news for whoever drafted the contract in many legal systems. And from my experience of lawyers, highly paid or otherwise, incompetence is just as plausible an explanation for their bad work as anyone else's.