I won't call myself that old.
Today I was on Paypal, trying to pay a developer for some website work. What an un-intuitive website. Hard to believe it has millions and millions of users.
I'm too old to understand what it should work.
I call it PainPal
The service PainPal offers is to facilitate payments. However, as I have observed over the years, PainPal declines payments at will, often under circumstances when you really need the payment to go through. ex: missing a connecting flight & having to pay for another flight, in a hurry, to avoid being stranded. Payments are declined to serve PainPal's interests, not that of its customers, defeating the very purpose it claims to serve.
I haven't used "Painpal" for that kind of payment---and will not likely do so. But thanks for the warning.
I believe in minimizing my financial footprint in the e-world. Credit cards have a risk for sure. I keep the PP transactions for only when there are no other practical options