i am one of those who did not want to invest in Monetha because I do not believe in that concept. and no its not the new paypal. I use paypal since years and never had a bad experience, my money got returned if the seller did not provide the goods. My money gets returned if i send it to wrong seller. Does it happen with any cryptocurrency? NO! everybody keeps warning you to not fund the wrong address or .... well imagine consumer worldwide start using Monetha for their payments and i am sure there will be those who simply use the wrong address..what is Monetha going to do? And there you have the answer...why 99.9999% will not use Monetha over Paypal as long that problem is not fixed. You think its not a problem? try to sell that to someone who does not trade with crypto every day. Good luck with it