So paypal is unreliable, is the takeaway.

Not all good, but sounds like an upgrade.

I bet this is a big motivator:

“Limiting the spread of foreign digital currencies to safeguard the financial stability and monetary sovereignty of the Eurozone”

You want your currency to be the convenient one.

They buy aggregated data from every other company and organisation in existance. That includes your purchase history and behaviour in great detail. Of course they will also have the data of your relatives and friends, which they will take in to account.