I hate how Paypal always selects buy-now-pay-later as a default option with insane interest rates. It's a real darkpattern, how can that even be legal???

Anyway, I use Lightning if possible and Amex if Fiat is necessary now. No such bullshit in Bitcoin and at least Amex is open & honest when I pay off the whole month interest free or not. Fuck Paypal, these 😡😡