I wonder if US Congressional action would solve this? There are other options in the USA instead of PayPal, but outside the USA PayPal is sometimes the only option (if it's available at all, I wonder what Africans will tell you about PayPal). So in the USA, there is starting to be a force to make online payments better. But not outside USA. So if the USA brings in some law, will PayPal, the Luxembrugish bank, have to abide by it? Probably not.

But then, how do we fix this?