Doesn't matter if you want to go off topic, I could care less about that
I personally recommend not giving up Paypal at least not right now. Although paypal is a unique business to stay the least, one example is the fact they are not FDIC regulated which is amazing in it's own right. So as a result Paypal does not have to keep your money in their account, they can use money as much as they please. They don't even have to keep enough money in the account to cover the transactions, like a normal bank has to do. If you want more information you can read this blog entry on it, heres a link for you,
What paypal does with your money. This is also another link on the blog post that goes much more indepth.