[piva00]

You still didn't clarify: what PayPal features make you think that way?

I don't personally know anyone who uses PayPal, the only times I used it was for transferring money using F&F to purchase 2nd hand music gear.

[BadBadJellyBean]

I think it's maybe a regional thing. Most people in Germany seem to have PayPal and a lot of them are aware of their buyer protections. I had to use them myself once.

PayPal seems to be a default for online purchases and transactions between people.