Having filed a chargeback against a small seller and having had one against me (and rarely selling anything back then) it doesn't freeze your account. It may freeze the funds in question, but not your whole account over one chargeback claim. Most likely if the seller was slow tih you he was slow with everyone before and after you and got multiple chargebacks in one time frame looking like he was taking the cash and running.

I have hopes that some of these other products might make a small break in paypal's monopoly, as I really don't like how they treat chargebacks sometimes.