Yes, even years later, Pay Pal is still the Bogie in 'trust' payments.
"I trust you to provide the service you offer and you betray that trust...repeatedly' is what I could garner from many years of following Pay Pals antics.

Luckily I myself haven't had an issue with the service but I use it only when I have to, e.g. when a provider of a software uses them exclusively and I want the software or product.

But still, if a company wants to cut its own throat, that's their business isn't it?

There are a few other Crowd Funding sites around and quite frankly, your own country may have something similar going on that may not be touted as readily as KickStarter.

A Google search for 'Crowd Finding' should bring back a few results.

As to