Why is this so special ? be kind.I can transfer from my bank to...

Why is this so special ? be kind.
I can transfer from my bank to anyone with a BSB,or international,swift code.
I can pay by cash, cheque or call.
Paypal was set up by Ebay,as a total transaction arm for vendors that trade on ebay,and is now excepted by other vendors.
There are others in the market playing this game.
I buy and sell sell many things on the internet,and cant see a use for this,and when walking use cash because people still like cash.