Chris has good points, Paypal is really convenient, your friends may of been trying to do something that you may never want or have to do with your account. I doubt that if you don't have an account by now, you're planning on doing major transactions. When it comes to basic use, it's as easy as clicking a button and typing in your password. It REALLY simple to use after you have all of you bank account/credit card info entered. I wouldn't let one complaint stop you from getting an account on Paypal, if you're using it only for buying things from eBay or buying a Premium Membership, you will have no problems.
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