Well, in my case the money does go to my debit card, as PayPal now offers a debit card from MasterCard which you can use anywhere. I think it's rather convenient. Also, I've allowed them to invest money I keep in my account in the PayPal Money Market, which pays a dividend every month. To date, every month for three years now I have gained money, and never lost it. The percentage interest that I earn is usually about 8 times more than my bank account.
