I'm similar: simultaneously aware of the huge problems with PayPal and yet will always choose it for small transactions. Why? Probably mostly because of the address filling you mention. Having to type in my entire address, worry about whether it'll get screwed up or it will not support my country or whatever else is just too much trouble for microtransactions (<$10). And then, even while I'm aware of the problems with their fraud detection, it gives me comfort that they are erring on the side of shutting down vendors that look shady - even if that takes out a portion of real vendors or creates huge problems for them.