IMO, the real use case for PayPal was really on the seller side.
When it was 2002 and you weren’t a major business but just wanted to sell three old CDs on eBay or offer dog haberdashery online, it was by far the simplest way to accept a credit-card funded transaction.
We’re still not a lot better there in 2025. Even with more modern platforms, you can’t really get from zero to accepting cards directly in 15 minutes.









Make something unmarketsble.
My big hobby project was software for 30-year-old computers, not a big market.