I absolutely drop quite a bit of guard if PP G&S is an option. A lot of that being because I have been on the other side (seller, selling digital goods such as dev and design) and have seen how quick PP is to yank those funds back.

Is that a good thing, or is it crazy that such a simple concept (if consumer claims they don't get a product, you provide proof of delivery or we take the money back) has been almost unique to PP for so long?