Thanks PayPal, but no thanks

I have been using PayPal for a long time, mostly to pay for digital services in USD or EUR. PayPal has this &ldquo;friendly&rdquo; feature, where it will convert the foreign currency to your card&rsquo;s currency using their conversion rate. Their rate isn&rsquo;t the best but I mostly let it slide because of the convenience, and the amount I&rsquo;m dealing with is usually quite small. Today I…