re: PSA - Paypal doesn't cover your digital purchases

PayPal doesn't even qualify as a bank. Their TOS gives them a lot more freedom to decide what should happen to your money. I always use a credit card for online purchases. Unfortunately, that same safety net of disputing a charge is abused by some. If a buyer disputes a charge with cc company, paypal takes the money from the seller regardless of return policy/claims process. I suppose it's similar for most merchant account services, except paypal is one of the few that tries to play the role of a bank, escrow service, and merchant account all in one.