Speaking from a nightmarish personal experience moving hundreds of thousands with PayPal over the years, it is astounding to me that it took so long for someone

Speaking from a nightmarish personal experience moving hundreds of thousands with PayPal over the years, it is astounding to me that it took so long for someone like Stripe to come along. It is not astounding they have quickly blossomed into a valuable company. Why did it take so long? And what about eBay? Someone should consider taking that on. Letting a huge business being an incumbent without competition for 15+ years in the web world seems so absurd.