Don't be ridiculous: why would Paypal not be considered acceptable? Ebay (which owns Paypal) is a huge, multibillion dollar company now, and Paypal already sends reports on you to the IRS if you exceed $20k in transactions per year.
Your post sounds idiotic, BTW? When have "liberals" ever restructured any system in recent memory, in a way that hurt that system? Why would Congress restructure the banking system, when the banking system OWNS Congress (what do you think that bail-out was?). If you're referring to ObamaCare, you're an even bigger idiot: ObamaCare was a giant boon to the insurance industry that did nothing to lower costs, and a lot to increase the profitability of the insurance companies.
You sound like one of those morons who thinks the Democrats are "liberals", rather than being in bed with large corporations.