[12ian34]

I actually haven't heard the horror stories but I have been using PayPal relatively extensively since at least 2007 and never ever had an issue. Aside from many retail purchases in the UK I've used it to send money around the world also. I'm also pretty sure TransferWise (now "Wise") works for sending money across most of the world. Plus the latter is regulated in the UK so I know that up to £85k is guaranteed by the government to be safe. I am one of the bigger critics of government yet I trust them a lot more than anyone in crypto. Sure they've done bad, but at least they've done some good too.

I'm definitely not a crypto hater, I have used several cryptocurrencies somewhat. I wouldn't call it that smooth, and I'd also worry significantly about the lack of regulation (despite that being one of the main selling points of crypto) and the wild volatility.