You didn't mention what it is you want to use your PayPal account for. If it's just to buy and sell stuff, then the topic is pretty much covered by earlier comments. If, on the other hand, you're considering PayPal as a payment gateway for an app you're writing, then I would urge you not to do so. I was about to go live with them once, but the Sandbox suddenly stopped working. It took 18 days to get a useless reply from their merchant account support team.

Many years ago I was in Paris to port some code. My host said, "Well, the bad news is all the comments are in French, but the good news is there aren't many."

It's important to remember that some concepts and depths of understanding will forever be out of reach of some listeners. The explainer's task is to choose a level at which to describe something that matches the level of the listener. All of our basic dials were set at conception. Thus, none of us can take pride in our intelligence, nor should anyone feel shame for the lack thereof. It is simply a gift, to appreciate, develop, utilize and share. Eric