Remember how hard it was to pay a freelancer/individual/small company for a service or product online before Paypal? It was very hard since banks would not approve merchant accounts for every bum that walked into their office :-), and don't even start on international transactions.
The fact that people started abusing them in unimaginable ways (prompting the draconian security measures) is not exactly Musk's fault, and the frozen account issues of the past years might be over once the competition finally gets its shit together (or at least there's other options now)...
Because no one that's capable of independent thought will come to a different conclusion than you did right? There's no need to be condescending just because you don't agree with me.
Paypal is a shitty company because it fails to support sellers in any meaningful way. Part of this stems from the fact that it isn't a financial institution, so it will always lose to industry standard financial institutions if it tries to fight fraudulent charge backs. Unfortunately this renders the service close to useless for anyone trying to sell anything that's worth more than about $20.
It works great if you want to buy something, because you have a 100% chance of getting your money back if the seller doesn't come through. Unfortunately, people committing fraud against sellers also have a 100% chance of getting their money back, because Paypal doesn't even attempt to investigate these situations properly.