Paypal isn't the problem, it's all the douchbags on the Internet that do this crap just to turn a buck; or even just fail to do their due diligence as an informed consumer, because they know that Paypal will work it out for them.  It's the slippery slope of 'nannyism' applied to 'let the buyer beware'.  It's this very reason that Paypal has to charge as much as they do *even though* no credit has been extended, nor debt incurred as a result of the transaction.