I don&#x27;t understand why customers would go after PayPal if the merchant doesn&#x27;t deliver. They should be going after the merchant. PayPal should not be the merchant here. If PayPal does insist on acting like the merchant, then real merchants should use a different payment provider.<p>I&#x27;ve got to admit, though, I&#x27;m not American. The way payments work in the US often seems completely backwards to me. But I really dislike that that backwards way of handling financial transactions gets exported by companies like PayPal, Visa and Mastercard to Europe, where banks do offer reliable payment infrastructure: when I pay someone money, the money ends up with them, not with some middleman.