Yes, I finished with banks in 2018 and no longer have to deal with them, I have cards of services that support cryptocurrency and are available for most ATMs. Yes, they have higher fees, but the card will not be blocked along with the funds, as I had before when I tried to withdraw cryptocurrency to bank cards. And a person will learn cryptocurrency if he wants to understand what cryptocurrency is for, who created it, etc.. And most people are not interested in it at all, they see bitcoin as a means of profit, that's all. As a means of speculation.. And they don't want to get to the bottom of it at all, it's easier for them to give their coins to someone than to know about wallets, transactions and so on.
PayPal custodian service will be calculated for such. And in training, of course, there is a threat, it's better for beginners to study independent sources of information than from interested centralized guys from PayPal, who can answer: Nothing personal is a business.
Awareness comes during the learning of new information, and let these newcomers study the right information than prepared by such as PayPal.
Mate, we can go back and forth arguing this out but at the end we won't be able to come to an agreeable conclusion, you know why! Because we are human and are allowed to have different opinions, views and choices, now you said you have cut off with bank since 2018 but from 2017 or so downward the banks have served you and provide you with all financial services at the time when you needed them most.... now don't need them anymore it is your choice.
One of the reason why many people criticise banks and payment system like PayPal is because of their high fees..... and you also agrees that cryptocurrency fees are also high...... but you still use them anyways because you are in control of your funds, but remember whatever have advantage also have disadvantage (if all individuals in the world have absolute control over their funds i can't imagine what it will result to)
You said a person will learn cryptocurrency if they choose to but the problem is many people are not willing to learn only interested in price and speculation, I totally agree, for now people are more concerned about the price than the tech, this is because crypto is not widely used, even the big players in crypto all have same interest,
PayPal offer to educate people who would not have ordinarily want to learn crypto on their own, i see it as the beginning of crypto journey for people, from there they can decide to do more research if they want to and make their own decisions base on PayPal services and other crypto service, they are not tied down so it is a free entry and exit.