now what sort of person doesn't have a paypal account or credit card?
either 1) very poor people. 2) criminals who don't want to divulge their identity. can you think of anyone else? if so please let us know.
I have both, I'd rather have neither... to be more specific I'd rather live in a world where both are obsolete.
I've got a PayPal account, but also had lots of trouble with it and I withdrew all funds from it about a year ago and don't plan on using it. I have no credit card and don't want one, either, but maybe it is easier in Europe to not have one than in the US. But I find it rather troubling for how many things you need one when travelling - we had to get a credit card just for vacation in the US, even though we had never needed one before and also didn't need it afterwards.