I have a paypal account. I've use it all of once, and now I don't remember what my user information is. Not to worry, the bank account it's linked to is long dead.
Anyways, I think if i had the ability to spend on whim, I'd enjoy paypal enough that I'd remember my paypal account information(and probably even still have the bank account it's linked to.
For the most part, though, I don't reccomend paypal to your average american, who, statistically, does not have money to spend but does so anyways. This, like all credit companies and banks, relies on the fact that you, as your average income american, will go into debt. That's how they collect.
