These text files often detail "cookies" or "token" injection, where a hacker steals a browser session to hop over the password and SMS code requirements entirely.
Ultimately, this "lifestyle" is one of constant paranoia. The methods break as soon as they are patched, leading to a perpetual cycle of searching for the next .txt file, the next exploit, and the next way to stay one step ahead of the inevitable.
Most "bypass method" downloads found on public forums are themselves malware. The person trying to learn how to bypass PayPal often finds their own computer infected with a keylogger.