> It seems it should be easy to setup “If mail claims to be From: PayPal.com
> and is not from PayPal, score +100” but it is not.

This is what DMARC is for.

Run opendmarc as a milter and reject failures. Or score later on DMARC 
failure, even if just selectively for highly phished domains. 

PayPal publishes p=reject, on paypal.com at least, if not their other domains.

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