I have a credit card and paypal but I cant buy coins at the going rate.
Because the going rate is based on irreversible payment methods. Credit card, PayPal? "Great, I received 20000 BTC, now it's time to call my credit card company/PayPal and tell them to reverse the charge because 'the goods weren't received' or 'I was hacked'! Then I can sell the BTC for gold and I'll be fucking rich!"
That's exactly my point. Liquidity is the main bitcoin problem. Make sure you read the entire post before commenting.