Forgive me if I sound dumb, but why bother creating PayPal account in the first place? If you are mostly buyer, then online payment is already easy (few clicks

Forgive me if I sound dumb, but why bother creating PayPal account in the first place? If you are mostly buyer, then online payment is already easy (few clicks and 1 SMS password away). If you are seller, setting up your website to support credit card payments takes maybe two hours. I really don't see the use case for PayPal, especially given the constant complaints.