its literally like being 15 years old, getting drunk and crashing your dad's car. then when the police arrest you you say "the car didnt ask me for my date of birth. neither did the vodka bottle. i dont deserve this and you police are abusive"
its not paypal's fault you decided to violate your EULA. it probably won't be stripe's fault either when you try to pull the same bullstuff and violate their EULA, which also says you must be 18 or older to own an account without parental approval. next time take responsibility as a customer and user of their service and obey their licensing agreement