"... harder to get your money back [from PayPal] than if you use a credit card."
That, of course, is the understatement of the decade ...
And it’s not a question of the security or the convenience of the PayPal system (I agree that from the buyers’ perspective PayPal is very convenient), the real problems are PayPal’s totally inadequate and ‘clunky’ risk management processes (PayPal can never ‘know’ the entities to the transaction the way the banks can) and their totally unsatisfactory mediation process if something does goes wrong, as it can do, particularly with purchases made on their slowly sinking mother ship, eBay.