It's not intended to replace a bank. For one, bank-related regulations that protect consumers are missing from PayPal. It's best used for buying random nick-nac

It's not intended to replace a bank. For one, bank-related regulations that protect consumers are missing from PayPal. It's best used for buying random nick-nacks, and never keep more than a couple hundred in your PayPal account. Venmo etc. probably have similar risks. Use a credit card for more expensive stuff. If you are not able to get a credit card for some reason, I'm not sure what to recommend as an alternative. Suggestions?