Hey, I'll be the first to point out the faults of PayPal. I quit working there in 2002 because I couldn't stand it anymore. To name just a few:
1. Bureaucratic beyond belief.
2. More interested in retaining current marketshare than developing new markets.
3. Believes an MBA means more than actually having a brain.
It sure didn't start out that way, but within just a couple months after the IPO, it was quickly turning into just another American Big Business. So I got out of there.
That said, PayPal provides one of the best services available on the internet, especially for small businesses. And no, I don't make a penny for saying that. I don't participate in any PayPal affiliate program, and I sold every last penny of my PayPal/eBay stock some time ago.