@bw To me, what's worse with all these years since Covid, in addition to how worse and worse employees are being treated, is the almost total lack of innovation.
In Europe there is Revolut, in few years they've added an infinity of services that make it really appealing to users. The bare minimum that PayPal should do is copy exactly what Revolut has done: Brokerage for shares, ETFs, etc. Exchange rates affordable in most of the world currencies, which makes it very handy for travelling, Junior accounts, joint accounts, an app that works very well and has access to everything you need, Savings and funds accounts giving you top interest rates daily, Instant Access Savings accounts with good interests rates, disposable cards, all cryptos, trainings, rewards, points, earn on brands/shopping and all that (I just mentioned a few!) even with paid plans... PayPal seems to be focused only on reducing costs and brutal layoffs, yet no innovation. They wonder why the share price keeps tanking?