This is probably only because the bank horror stories are (mainly) small: a late fee here, an overdraft fee or two or three there, a bumped up credit card inter

This is probably only because the bank horror stories are (mainly) small: a late fee here, an overdraft fee or two or three there, a bumped up credit card interest rate, etc. The banks probably do as much per customer as PayPal, but they spread the pain out, so it isn't quite as noticeable.