Why does Paypal still exist?

Paypal has had it's fair share of problems.  They have been accused of stealing people's money.  They are often linked to scams.  I haven't needed a Paypal account in over decade.  They is why I was surprised when I tried to sign up over at www.kiva.org.  For those of you who don't know, Kiva is a non-profit organization for making micro-loans.  A micro-loan is a loan to a business man or woman in another country.  The country is usually a place where the exchange rate means $25 USD (the minimum you can loan) goes a lot further than it does in the United States.  A few people get together and loan the money, then the business person uses it to make their business bigger/better.  They pay back the money, and you re-lend the money.  You end up constantly lending money and helping other countries grow their economies!  What a great idea!  You know what isn't a great idea?  Using Paypal as your money processing system.  Why is it a bad idea?  Because when I try to do a noble thing, like lend money, I get this: