When it comes to banking there are a lot of modern "shortcuts" that make it safe and painless pretty much everywhere in the world. The problem is that there's

When it comes to banking there are a lot of modern "shortcuts" that make it safe and painless pretty much everywhere in the world. The problem is that there's also a lot of inertia. For every "shortcut" user, there are hundreds if not thousands of users who don't know about and use sub-par systems (such as PayPal) instead. Shitty companies like PayPal (or various banks which still charge insane fees for wire/ACH transfers) rely on that. --- For me, PayPal is only a route in, as a fallback for those who really can't use anything else. If you decide to use it to pay me (despite my warnings and alternative suggestions), I make it very clear that you are on the hook for any issues arising from it - PayPal money is only considered paid when it hits my real bank account - if they seize the money beforehand, it's as if you haven't paid me and it will be up to you to help me resolve the situation. That's how people should be using this scum. Similarly, if I pay a supplier via PayPal and they refuse to deliver the goods, the supplier is getting their ass sued for goods/services non-rendered. The fact they use a crooked payment processor (despite my advice) isn't my fault at the end of the day.