I personally don't like banks either fam but I've been using Paypal since about 2001....and they are far from reliable/trustworthy and the customer service is fu*kin horrible . I dont allow anyone to send anything over a grand through paypal, cause for the past 12 years they've always fu*ked it up.
Sounds like a personal issue cause they've been perfect for me.
I've had a gold business account with them since like 2007 and other than the one time my debit card got scammed (which wasn't even their fault), I don't think I've ever had an issue with my account.
9 out of 10 times, the money is instantly transferred and on my debit card to spend. No BS fees, no penalties, nothing.
I'm not advertising for Paypal though so to each their own. Whatever works for you, as long as your money is safe, bruh. Personally, I strongly prefer Paypal over banks cause there's less chance of f-cking up from my experience.