[jacquesm]

Yes paypal 'sucks'. But the problem is not that it sucks. The problem is to do better. And it is quite possible that anybody that has ever tried to do better ended up with something that sucked even more than paypal.

Combating fraud is hard, at scale with half the worlds petty criminals seeing you as the obstacle between them and their victims you're in for a rough ride.

I wouldn't judge them too harshly. (Even if I personally will never use them ever again I do appreciate the kind of issues they have to deal with.)

[intull]

True, combating fraud is very hard! And PayPal has used a very clever strategy there.

PayPal is changing now, a LOT. After David Marcus and Bill Scott, things are now in motion for the better! I'm sure in an year or two, we'll see PayPal in a much different way than what it is now.