IMO we pay through the nose for paypal.

Whilst I have managed to "understand" the dispute process to my benefit, the fees sting on each and every sale and the customer service is erratic at best - I could have gone on several overseas trips from the funds I have forked out for the benefit of buyer or seller protection - that I hardly have to access as I am responsible and careful buyer and seller. 

Unfortunately, we pay our fees to contribute to covering the activities of the bottom of the barrel buyers and sellers.

But no matter, I can't see it lasting with the market share it currently has for on-line payments.  We are starting to slowly see some alternatives emerging, bout time !!  Services such as paypal offer can only monopolise the market for a fixed time.

Over the next few years if we do start to see some real competition I reckon we will see price go down significantly in order to keep their market share, as I imagine loyalty to paypal as a corporation hovers between extremely low to non-existent, save a few regulars on these boards that sound like walking endorsements for same.