A lot of whining from sellers here. From a buyers perspective Paypal looks pretty good because, in my experience, the scammers are on the sellers side. One example is when my wife tried to buy a cheap and cheerful tablet on-line. Then it became apparent the seller was either scamming or not being honest. The device had not arrived within three weeks and the seller had become abusive. Paypal refunded the money no questions. That's what a buyer wants in order to have confidence using the service and, no doubt, it costs Paypal to look out for the buyer.