I've talked about it in length before here in HN comments (feel free to look into my comment history) but paraphrasing: I live in Venezuela, so many things people take for granted are unfeasible/outright impossible for me to get access to. I have a PayPal account but no useful international bank account, and as I refuse to keep any significant amounts of money there, that money needs to go somewhere, and physical cash comes with its own issues too.