The poster above wasn&#x27;t saying that the NEED for Paypal was no longer relevant, he&#x2F;she was saying &quot;here&#x27;s a company with a lot of unhappy customers - why hasn&#x27;t another company come along that solves the same problem with fewer complaints?&quot;<p>(At least, that was how I read it).<p>As a consumer client, the only problem I&#x27;ve had from Paypal is the difficulty of changing my name.<p>BUT, I&#x27;ve heard many, MANY vendors complain - funds frozen, paperwork problems, poor communication.<p>They are solving a hard problem, but I have to agree: after so long, it&#x27;s a shame there isn&#x27;t more competition in the area.