[GhettoMaestro]

I love when folks over-analyze stuff like this.

I had $2K in my Paypal account. I had about $1200 in my primary checking account. And another few Gs in savings.

I needed to pay a $2700 expense. I could have transfered from the savings, but you are restricted to the number of times per year you can do that, without penalty.

TLDR: I have no problem sacrificing $10 to get immediate access to another $2K in cash, with the thought co-resident in my mind that I do not want to incur any potential savings -> checking with-drawl penalties.

The APR in this case is meaningless to me completely. $10 for low latency access to my cash is a small price to pay, versus waiting a day or longer for slower (free) transfer methods to complete.