I am a senior who has been using computers on a daily basis since DOS. I pay my bills, do my banking online and order many things online BUT I'll be d*&%^* if I am going to start messing with Pay Pal! If I want to buy something and the only option to pay is with Pay Pal...I won't buy the item. I get email invoices when I pay by credit card. You can get limited use credit cards and ones that are good for only one purchase so what is the point of messing around with one more thing for which I must keep track? I just don't understand why I should use it...it has no advantages that I am aware of over the use of a credit card.