I genuinely wonder how it is possible for paypal to have such terrible design for so long? Everyone knows its an issue, and it seems like a couple 100k in design work would clear up the issue for the next 4-5 years.
Keep in mind that PayPal is a gut-wrenching edge case of internationalization and localization. If you're an Israeli person transferring Thai baht while you're in Chile, the website must account for that while respecting your user preferences and all local, national, and international law. It's a gross problem no matter how you handle it, and it utterly prevents drive-by redesigns.