If PayPal disappeared, we all would come out better, buyer and seller alike. I tried using them twice and encountered nothing but delays and errors. Especially beware when they routinely request access to your checking account. If you must deal with them, use only your card. Or give them access to an account purposely kept with only sufficient funds to cover your purchase.
Sellers I've talked with are just about as sore. The added cost that goes from their proceeds into PayPal's pocket often means they have to increase their prices. In their view and mine, PayPal is a middleman we all could do without.
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