"Do we really need PayPal?"

My answer is an emphatic, "No!"

I left PayPal several years ago after they essentially destroyed an Ebay business I had built up over several years. One day, without explanation, they disabled my account and locked more than $5,000 in payments from me. I finally did get my money 6 months later, but my business - which I relied on to survive - was destroyed overnight.

PayPal = Corporate Evil.

Thanks for sharing your experience.