Why Paypal?

There must be some avid users of Paypal on Fluther. I have a Paypal account and have used it a few times and find it to be a total pain in the butt, compared to just using a credit or debit card. Now I am seeing it pop up as a payment method on more and more sites. Just ran into a situation where I tried to use my usual credit card for this type of purchase (business) and the site would not allow it because my Paypal account was in existence and it offered Paypal as a payment method. What am I missing? Does Paypal offer any advantages over a credit card? I hate the fact that I have to make sure I have money in my Paypal account to use it, or transfer money after I use it. Just one more step. Again, what am I missing? Thanks.