See no matter what they are still based online payment processor and it wouldn't be that advsible if one should use them as a banking means, they could beb hacked and now hackers are dealing with some prominent sites. But then, they are the best amonsg all despite the restriction I still love them.
Paypal has gotten to a point where it might not, (though never say never) go down. They have won a lot of confidence which is not easy to come by and I doubt if any payment processor will win such confidence, reputation prestige.