Is paypal taking safety too far?

Today I went Christmas shopping got everything I needed. When I went to pay for it with my paypal card it was declined. That isn't right I have $2,000.00 dollars on that card prepaid. So I checked my balance again, yes my money is there. So I called paypal. The guy made me give him lots of old transactions to prove I was looking at the right account. Then he tells me paypal is freezing cards to prevent fraud and such. How good is this, to protect me they shut my card down.? Now that cashier thinks I am a low life who goes over credit limits. Be warned carry cash to buy your gifts just in case.