Easy to say when you are in a country where you have a lot of options.

There's some countries with very bad financial sector where your option is PayPal or Western Union as the local banks don't know how to do international transfers, Remitly doesn't support all countries and Wise also doesn't work. PayPal works, even if they charge fees.

I simply use it as an intermediary between my bank and any website I don't fully trust

Critical mass? I had to start using it after moving to Germany, because everyone else expects you to use it.

One of the ladies at daycare is leaving? Here's a paypal link to chip in for a good-bye present.

Split a take-out order with a German friend, but he paid? Here's his paypal to send him your share.

It's just assumed that everyone has paypal over here...

because global-ish exchange of goods and services for money is a deliberately convoluted experience that only a handful of well-connected entities are allowed to facilitate, which enables each and every one of them to put "we reserve the right to fuck you in the ass for any or no reason" in their ToS.