Jamie -- I, as a seller, thank you for being persistent in trying to pay for whatever it was you've bought! I wish it weren't so difficult.
I also wanted to mention that we are all individual sellers and choose our own payment methods. No one "makes" you use anything. You could take only, say, checks & money orders, if you wanted to!
I choose PayPal only, myself. From what I've read about the delayed getting your funds from the new Direct Checkout and not getting paid until you actually SHIP something, including Custom orders, it doesn't sound like something that I'd want.
But, as I said, each Seller makes their own decisions about that!