And at some point you had to go through the vetting process with PayPal. When I signed on, I had to verify a micro transaction into my account (years ago, dunno about today) in addition to the traditional forms. And, of course, I thought about whether or not I trusted PayPal for a while before I took the plunge. There's baggage with every system at some point. Clearing the initial inconvenience is one of the biggest steps because it affords the user time to reconsider.