Zelle is great, I use it all the time to make various payments because they can't be reversed. It's main limit is how much you can do per day. If you add someone new then you can generally only send them $500 per day for a while. Eventually that bumps up, but it's still capped typically at around $2500 per day.

Regarding Paypal I'll say only one thing, if I ever wanted to rip off Pinsiders I'd use Paypal because it's just that easy, even with friends and family. I use paypal all the time for < $100 amounts. For large amounts you are basically asking to be ripped off. You call.

It's actually even worse than that. I sold a phone on ebay, the buyer used it for a month, decided he didn't want it anymore, made a fake claim with paypal and got his money back. When he sent me the phone back it was very visibly worn and damaged. I submitted pictures of it in a counter claim with paypal saying the phone is now worthless because he ruined it and paypal didn't care, they literally told me "These things happen" and ruled against me. So with paypal a buyer can take your item, use it, ruin it, and send you back a now less valuable item and there is zero you can do about it.

Yup, plus if someone did go to the extreme of counterfeit cash they would still have to face you in person to pull it off whereas with paypal someone can rip you off easily from anywhere in the world with nothing more than a keyboard.