Paypal is just a powerful way to send money as WU. The only thing you have to do when you use paypal is wait for about a day or two for the transaction to complete. After that, people cannot charge back and scam you. If you don't have a checking account for paypal.....I have had one since I was 14. It is not that hard to get a student checking acount. So for people that hate paypal because they are afraid of getting scammed, just allow transaction to go through. Scammers cannot reach into your checking account and take money away, espically if you withdraw it from the atm.