This is specifically for “goods and services” transactions, which can come with additional protections through PayPal if the seller never delivers or otherwise

This is specifically for “goods and services” transactions, which can come with additional protections through PayPal if the seller never delivers or otherwise tried to defraud you. You can also just send the money to their bank account if you really wanted to, but nobody actually likes doing that when you can use the protections (however imperfect) these services provide.