It’s great even if you hate swiping!

Free forever, and works great.

Do you know if they have any plan to stop requiring invites? I’ve been interested for many years, but the invite system rubs me the wrong way.

They likely won’t allow that forever. If Google has its way with the web, trusted browser environments will be a thing, and banks will only accept those.

If your bank doesn’t offer virtual credit cards (or they’re a pain to use) and you don’t want to sign up with another service, then yeah - PayPal is safer to give than your credit card number.