Some of this is paypal's own fault. They've created the expectation that transferring money from anyone in the world to anyone else in the world should be painless and frictionless. For many cases paypal lives up to that (really quite amazing if you think about it) level of service. But the world is not a perfect place (nor is paypal of course) and a lot of people run into problems and their instinct is to blame paypal for both of those imperfections.
More so, people can use paypal without having any amount of experience with alternate payment processing methods, so they have no yard stick of comparison. They just don't know that any payment processor in the world would stomp all over them to the same or greater degree, so they merely level a harangue at paypal for not living up perfection.
More so, people can use paypal without having any amount of experience with alternate payment processing methods, so they have no yard stick of comparison. They just don't know that any payment processor in the world would stomp all over them to the same or greater degree, so they merely level a harangue at paypal for not living up perfection.