I’ve been working in the last few years of getting rid of big tech services. PayPal and Amazon are left. I’ve been questioning the need for PayPal in a world of virtual credit cards. My main reason for using it was security of purchase but I feel this need is no longer there. BTW, equivalent EU service to PayPal that is equally well accepted? Feels like this one may be more difficult to satisfy.
I only use PayPal for reoccurring donations to my local library, but I see your dilemma. Using credit cards is also great for exploiting the various rewards systems as well, as long as you pay your balance every month.