I'm saying I get rewards when I use PayPal (because everything ends up on a credit card anyway with added privacy/control benefits compared to using the card di

I'm saying I get rewards when I use PayPal (because everything ends up on a credit card anyway with added privacy/control benefits compared to using the card directly), so a solution where I don't get those rewards ends up being second-class. I also haven't had issues with PayPal that [many] others have, so there could certainly be a scenario where that changes.