Most of my online payment transactions happen with credit card or bank transfer anyway ... absolutely no need for PayPal to annoy me by injecting themselves as man in the middle ... such an annoying company.
If you are taking credit cards online, I assume you have a man in the middle regardless. Whether you choose to go with Stripe, Square, Braintree, or PayPal is completely up to you.
Most of the modern financial system is a dark pattern. If we were to reinvent finance from scratch, the result wouldn’t look anything like what we have.
Crypto is a current attempt to reinvent finance from scratch and all it has achieved so far is demonstrating that perhaps things aren’t so bad the way they are.
hanlon's razor applies here. Sure, it could be some sort of malicious trick to get people to click their ads, ...or it could be because the ad is slow to load.