All of these things are done because PP has, at some point in the past, screwed over the merchant. Paypal is so bad that at this point, it's not even unreasonab

All of these things are done because PP has, at some point in the past, screwed over the merchant. Paypal is so bad that at this point, it's not even unreasonable to assume that even a part-time seller has never had a problem with them. The only reason any seller uses them is because the customers prefer it or they don't want to set up their own Stripe integration. It's blatantly clear that PP existed with nearly no competition for many years.