You want to know how to set up a paypal business account for the USA or UK? Well it's simple really, own a business in one of those two countries and go through the proper verification procedure. If you don't, the algorithms that paypal use to spot fraudulent activity will catch you out and any money in the account will be forfeited.
You are 100% wrong about everything you just said, I have never had a paypal in my name and I have used paypals from more than 5 different countries without any issues, it's all about understanding how to use cookies properly and an RDP.
You got lucky and may not have given them any reason to ban you, yet. Paypal have some of the most sophisticated algorithms in the world to detect people who are misusing accounts. They may not have taken any action against you, but don't confuse that with them being unaware of what you are doing. There are much more advanced methods than cookies and "an RPD" to detect similarity between users. I wish you good luck, but they will most likely strike when you're sitting on a big amount in your account.
That is your problem, MM accounts are not meant to be used like that, as I said before it is obvious you have no clue about middleman accounts and that is why you actually believe paypal can actually do anything to stop this, I used to make accounts to send funds and after a days when I used the funds I would refund and get double the funds within 7 days, it's all about the knowledge you have. Anything made by a human has flaws and others will find these flaws and exploit them, no matter how sophisticated the system may be.