I assume everyone is owned by someone terrible, but the individual policies and changes are what drives me to swap.

I pay for things on sites processed by PayPal too, I just don’t have an account.

Just standard credit card processing for purchases and zelle or venmo for transfers.

Good thing I deleted my PayPal years ago over a previous TOS change.

And this is where you went? This is literally Reddit’s bias taken to the level of hyperbole. The extremism groupthink here is the primary reason it hasn’t and likely will never go mainstream.