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I didn't say that ****** should be the only one payment method. And if my mom would go to an online store she would recoil on the thought of using Paypal. Scammers hammer people with Paypal pfishing links.
And HMRC, banking, Netflix, Amazon and umpteen other providers. There is nothing new about this. Why you are singling out PayPal as a phishing target is not clear.
Can you now answer the question. How will your average punter know what to do if confronted with a ****** payment option? Can they use their credit card? Can the supplier readily convert the ****** payment into sterling and use it to pay their bills?