Are you sure they're one of the cheapest for you? My experience with fiat payment gateway is that they charge a lot when I want to buy crypto, at least internationally. Even P2P offers are better compared to using a card to buy crypto from them.
So Paypal charges about 2% to buy/sell Crypto. Coinbase charges ... 4% to add money, 0.4% to buy/sell? It's also easier to buy on Paypal since banks trust them and most people have some PP income already. So PP is ok if you don't mind holding your crypto with them long term. If they get the transfer to wallet feature working, PP would be the ultimate crypto ecosystem (if they even plan on fixing it that is...)
They also added a stable coin PYUSD, for some dumb reason they charge 2.5% to buy it! What TF is the point of PYUSD then if it costs less to buy real dollars? Plus PP has an FDIC insured 4.3% savings account too you can transfer between.
Of course PP has a terrible reputation for locking accounts. We've all been there are one point or another.