paypal advertises instant transfer. well someone can instant transfer from their account but when you go to withdraw it and transfer to your account it takes 4-5 days. that is ridiculous. that is the main reason for instant transfer. if it is instantly transferred from their account, it should be instantly transferred to your account since everything is electronic. why advertise instant when it is only instant one way. you still have to wait for the money to reach your account so it isn't instant. what a bunch of bull.
Like any back, PayPal makes money off the "float". I.e. when you tell them to withdraw $1000 into your account, they tell you it will take between 3-5 days. In the mean time, they take that $1000 and invest it themselves and make money off the interest.
Unfortunately, there is no better alternative.