Why would PayPal be on the block when the merchant doesn&#x27;t deliver? The merchant should be on the block. PayPal should just be payment infrastructure. The fact that PayPal pretends to be the merchant, at the same time pretends to represent the customer in a way the customer never asked for, and undermines the payment between the real customer and the real merchant, makes PayPal unreliable as payment infrastructure.<p>PayPal has a history of denying people access to their money, and I&#x27;d certainly never allow any of my money in the hands of PayPal. They operate as thugs. They take money they&#x27;re not entitled to, make commercial transactions unreliable, and endanger the companies&#x27; ability to provide the services that customers paid for. PayPal is the biggest source of risk here.