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I don't think it is hackers problem as a payment processor as big as LR, there might be solid security for hacking as you can also see it in Paypal and how it is more secured from hackers...
Well, it is really hard to explain why LR is always down, many possibilites and you said LR site is big as paypal and shouldn't has problems? but they always having down time, why? Paypal is always online and never heard any downtime from them at all, you can't compare both of them.
Paypal is never down because they must have faced these problems before and hence they have remedies against it. I think LR should use multiple servers so that even if one server fails the backup server continues to function.
How do you know that LR don't have multiple servers while they are suppoting so many country member? and also are you sue paypal is always having downtime problems before, as i have been members of paypal for many years, and i did not see those type weird downtime happend before.
Even I am using Paypal for years now and I have witnessed Paypal being down before. Well and it's simple logic. If LR had multiple servers then downtime won't have occoured. When a site is hosted on multiple servers, when one server is down the other one continues to function and provide all services of the site as it is. Since LR has a downtime frequently it's obvious that they are not hosted on a multiple server.