Paypal was still eBay's main payments processing provider until 2021-ish. Personal accounts are completely acceptable to use for receiving eBay order payments, and they definitely charge the transaction fees on sales. Lastly, sweeping should be available to accounts regardless of type, and you shouldn't have to talk to a person to enable it.

Couple thoughts:

1) PayPal does not receive fees from your eBay activities. They are two completely separate companies. PayPal makes money by charging for business services. They provide free personal services as a convenience for everyone else - but the lights are paid for by business fees.

2) If you read the TOS for personal accounts, your eBay activity would be allowed if it was personal sale of stuff (think a Craigslist analog) or between friends and family members. Once you start operating a business on eBay and are clearly receiving payments for goods and/or services in a routine fashion that appears like a business - PayPal is going to want their cut too. This is not unreasonable.

3) A personal account has no need for sweeping, which is my guess as-to why this feature doesn't exist there. Sweeping is literally only useful for businesses that accrue daily revenue into the account... and if you are receiving daily revenue, you are operating a business - see #2 above.

It seems the entire problem was a misunderstanding.