A very good question...
I prefer Photoshop, although i've never owned it. I've only ever used it at work. I wouldn't pay for it, but I wouldn't download it illegally either. GIMP isn't as good, but i'm not going to complain when it's free.
For some reason, there isn't a hosting account linked to your forum account. You should signup for hosting again.
If you did have hosting, and it's disappeared, open a support ticket in your account panel, and staff will look into the issue.
I think that site is quite a long way off getting universal reputation as a trusted method of payment. But I wouldn't rule it out completely. It would be nice to see a few more methods of payment other than just paypal.