I doubt that the core of paypal business are millionaires.
Also there is no government involved in Paypal.
Please stop with these things.
Paypal is just a service provider, a payment gateway.
A company that provided a pretty good service back in the old days and that still does so.
People are using paypal because they trust it , it's damn simple and they have support available.
Even a moron can use paypal. Unfortunately.....