Why would anyone trust PayPal? They still owe me $900 from 2005 when I was the victim of a reverse scam. (Buyer claimed i scammed and never sent it; they refused to investigate or accept my tracking info as proof)
To me this just verifies that diversity is better than uniformity in these scenarios. That's fine if you don't trust PayPal because of your own experiences, but why should we be forced to use Apple Pay?