Are you disputing the claim that P(scam | from nigeria) >> P(scam | not from nigeria)? Keep in mind, a scam rate of even 1% would put Paypal Nigeria way into the red.
Obviously, a "which country to do business in" decision is not done by algorithm. That doesn't mean Paypal isn't using objective metrics to make that decision.
Obviously, a "which country to do business in" decision is not done by algorithm. That doesn't mean Paypal isn't using objective metrics to make that decision.