I've read a lot of these accounts and some are truly egregious. PayPal should definitely provide some better means of dealing with disputes, but I would hazard

I've read a lot of these accounts and some are truly egregious. PayPal should definitely provide some better means of dealing with disputes, but I would hazard a guess that 99% or more of such disputes are simple cases of fraud and are dealt with appropriately. The lack of alternatives is the biggest issue I see with PayPal, so they can sail along without having to address the issue. Given that they are neither regulated as a bank, nor faced with any serious competition, it seems, to my admittedly limited knowledge, that they do well for the most part. While some of their actions may be deemed as unethical, I don't think there is cause to paint the entire organization with such a wide brush.