...banking or monetary transfer? Do you accept credit cards at your business? Do you use credit or debit cards for purchases? Does your bank have online banking so you can check balances, make transfers or do other stuff from the convenience of your home? Do you have an online account with a stock broker?

Unless you conduct your entire financial life in cash, you are subject to attempted scams and fraud by computer, be they directly or through a service that you use. To single out any one of these services because you are receiving scam emails as a reason to not use them is stupid. I've received scam emails masking as being from every major banking institution in this country. It wasn't their fault that they were being targeted by scammers. PayPal just happens to have 100 million account holders, so it is a larger target for the scammers. Your blame is severely misplaced.