I find this whole thing confusing. PayPal's very name would suggest that it was initially set-up as a way for friends/acquaintances to split a bill or what have

I find this whole thing confusing. PayPal's very name would suggest that it was initially set-up as a way for friends/acquaintances to split a bill or what have you. So why on Earth would a business use it and especially to the tune of $1.3M??? I'm not very techie so don't all scream at once, but why wouldn't a company use whatever local {Business Bank} is closest to them that has an actual branch??? Something like Fifth Third, M&T or whatever that has an actual SMB component?? I know Wells Fargo can no longer be trusted either, but surely the B2B banking space isn't as bad as the Retail side? Paypal didn't have a separate biz focus until after they hooked up with Ebay, correct? So that would suggest to me that the "holes" in their offering on the business side is very much "caveat emptor?" Or am I missing some essential part of the argument???