The title is stupid, and titles matter. PayPal is PayPal not because you can send money based on email addresses but because it was the company that figured out how to do it in a way and at a time that won the market. Making a PayPal like website has little to do with why people know the name PayPal, or the company's significance. It's like setting up a toy online book store and saying "How I created Amazon in five days". It's meaningless and stupid. And sometimes things are so stupid they're not worth being "constructive" about.