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There may not be an internet forum that supports commerce that hasn't had this discussion come up on a regular basis.
Paypal is a necessary evil for some sellers, particularly if they do any volume of business. It greatly enhances the processing speed of a sale and provides insurance for the buyer, archives for the seller, and a convenient means for invoicing. My bank (credit union, actually) holds MO's for 45 days, thanks to HP printers. Checks are cleared faster by law, but neither can compete with the instantaneous transaction that PP offers. An ebay lot I won last week was paid for at 6PM and the item was in my hands less than 48 hours later. The seller had 46 lots close the same night. Undoubtedly, the logistics of processing that many were smoothed considerably by the use of PP. Stagger the receipt of payment from 46 customers and you run into a bumper-to-bumper crawl. Checks and MO's are sometimes accompanied by different ship-to addresses ('I'm shipping this to my brother') so you have to wait until they arrive before addressing the package. A post office run for us is anywhere from 30-60 minutes, depending on the weather and the holiday season, a bank run being a modest 15 minutes. No one wants to do that every day. When I still had a job it was a genuine stress inducer to deal with frequent PO runs.
So, it would seem I've built my argument around the needs of someone who sells a lot of things but as a buyer I could not ask for a more convenient system to process a transaction. For international purchases they are a necessity. Cathie checked at all four of the nearest banks located at an intersection one mile from our house one day, and not one of them carries international MO's. Buying from a seller in Asia? The only way to fly now is PP; buy an item from China and it can be in your hands in as little as 3 or 4 days with PP.
For a really casual sale, the check or MO may still have a place but many of the arguments against the use of PP are similar to arguments we used to read about the use of credit cards (not that the credit card systems are bulletproof anymore). Thus far PP has proven itself to be far more secure and enormously important as a timesaver. If your seller requests PP payment, he may be selling to 10 other people as well and he's looking for a way to save on gas.
Yes, PP profits from the float but it takes volume to make it pay off for them. (Yeah, I guess we can say they've got their volume these days.) But the banking system was already doing that long before PP came along. No law I'm aware of says that transactions that speed up processing between banks has to pass that savings in time on to the customers. AFAIK, only the banks themselves have really profited from regulations stipulating greater expedience in processing interstate checks.
Yes, PP can restrict withdrawals of your funds under some conditions. That hasn't happened to me yet, and I've used it for 10 years so it's been a non-issue so far.
If a potential customer asks to use an MO or check, I will accept it as a courtesy. We can account for over 2000 buying and selling transactions on ebay and perhaps another 500 off ebay. If everyone had to use MO's and checks I would simply stop selling my stuff.