<p>Thinking a bit more about this I believe <a class="user-mention" data-hovercard-type="user" data-hovercard-url="/hovercards?user_id=232186" data-octo-click="hovercard-link-click" data-octo-dimensions="link_type:self" href="https://github.com/wiz">@wiz</a> point is very accurate.  BTC is Money (not anyone else´s liability) while fiat payment methods are all debts, more or less risky.  So except for f2f trades a BTC seller is not really selling BTC but granting credit for a number of days (90 or 180 depending on the chargeback limit of the payment method).</p>
<p>The reality is that Paypal payments are high risk "all or nothing IOUs", they are junk debt and we cannot change that.  So it is not realistic to exchange it for BTC at par.  Exchange is only possible if they trade at a very high discount, or if the buyer provides a high collateral, or provides a strong real reputation somehow backed by net worth.</p>

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