PayPal fee ethicality discussion.....why not just....
....use a different app that does the same thing? (To buy a coin, for instance). If you want protection and claw back ability, pay the PayPal fees and move on.
Venmo....Is owned by PayPal....and it is free to use. Transfer funds between people for free. No ethics involved.
Others. Why have the issue with “ethics” when you can do something else? Doesn’t seem so hard to me....