So, suprise suprise, my 6 years old blogpost continues to be spot on https://jeena.net/paypal that is when I deleted my PayPal account. But it was not all dance on roses after that, suprisingly many only offer PayPal as a way to pay them, so I always have to try to contact them and to try to explain and to ask for another way to pay. Most of the time they won't/can't help me.