Some people have money in their PayPal stored-balance component, and it's easier to spend it out than to have them credit it back to a bank account. I suspect

Some people have money in their PayPal stored-balance component, and it's easier to spend it out than to have them credit it back to a bank account. I suspect some people use it as an "off the books" account in family/spousal relationships. They'd have a fit if the credit card had a $300 charge, but they don't even know you had $300 in PayPal balance from selling stuff on eBay and can go to town.