That's a bit like saying "I had to get a pay day loan at 27% per week interest, I had no alternative and they fucking know it".
It probably means you're doing it wrong.
Either that or you don't have enough starting capital to do it right.
At least in the US, you don't need significant amounts of capital to open a merchant account. There is more paperwork, but then again merchant banks don't engage in the shenanigans that PayPal seems to do with alarming regularity.
That's a bit like saying "I had to get a pay day loan at 27% per week interest, I had no alternative and they fucking know it".
It probably means you're doing it wrong.
If the business you're trusting to Paypal can't get a Big Bank Merchant Account, maybe you need to work out why (and whether it's a very good reason... it might be that your great idea is exactly the sort of thing Paypal _needs_ to shut down quickly before lots of people lose their money.)
Etsy merchants (and eBay sellers) all happily use Paypal, because for the "put it in a box, ship it by FedEx" businesses have _way_ less "trouble" with Paypal than everybody else.