I've never used PayPal because someone signed up with my email to buy internet pornography before I could legally create an account at 18 years old. PayPal allows people to buy things without verifying the email, so now I'm stuck with it.

I could create a separate email, but I don't want to. I could take over the account, but I'm also unwilling to commit financial fraud. I called PayPal, and they said they couldn't do anything.

I've just used Stripe, Link, or directly used my credit card. Nothing bad has ever happened as a result. Any time I've had a dispute, I've been able to get a refund from my credit card company.

I also live in Canada. We have had "e-Transfer" since 2003, meaning I can securely email or text money to friends and family with no fees. So I don't need PayPal for that, either.