I live in Northern Europe and I've never heard of anyone using Paypal for anything other than paying for things online. Each country has their own specific service that the majority uses (MobilePay, Siirto, Swish, etc).
Does Germany not have fast bank transfers? In the UK, people used to use PayPal for this until the Faster Payments system came in, which meant that you can instantly transfer money to anyone with a UK bank account via your normal banking app.
I think it technically takes 24-48 hours to clear, but that doesn't tend to be an issue in practice. You'll get the push notification telling you the money has arrived and your balance will update in seconds.
You have fast transfers in Germany, but it is new, an extra box to tick, normal online banking is horrible UX and you have to know the IBAN of the account. Giving someone my email is way easier.
Plus it costs extra and many banks don't support it.
It's a mess.
I wish this was faster, imagine paying online by scanning a QR code with your banking app. There would be non risk of chargebacks for merchants and fees could be basically zero.
