Yes I agree that many people works online and they can trust paypal because it is not the industry for so long and many people trust them.
The usual transfer takes 2-4 days. I always get mine after two days. 10 days is not normal and you need to call paypal customers support and ask for help.
Your funds don't need to stay in your paypal account .You can withdraw it in your bank account anytime you want but you need to verify it first.
Accounts mostly get limited if you tried to transfer funds and you are logged in different IP address. Or your account is not verified and then you tried
There's no official forum to ask help. But you can always contact paypal support and send them an email or call them if you have any problem.