Of course it would have been better if Kenya or Tz would have it's own Paypal as you say, but currently there are a lot of Kenyans who work online for the US, and for a long time money transfer has been hard, in that, the process itself could eat half of your pay, but as you know many Online US firms support Paypal so much these days, that's why it's a relief for many Kenyans, in fact, in my opinion, guys are harvesting directly from the US economy as opposed to losing money to the US.
I hear what you are saying, basically you guys are making lemonade out of lemon, you can't stop farming because you don't have a tractor, you have to make the best of whatever situation you are in. And in the absence of a Kenyan paypal, a US paypal (presumably it reduces the Moneygram/ Western Union costs) makes a lot of sense. With the caveat that a Kenyan Coffee farmer can hardly pay his computer illiterate farm hands with paypal money.
The perception that "guys are harvesting right out of the US economy" is correct as far as Kenyans are earning out of the US economy, but my thinking is, paypal is still retaining a small chunk of the money Kenyans are harvesting out of the US economy.
The Senegalese have a better, albeit more informal system. If one Senegalese (a) in Dakar needs cash from another in New York (b) the NY Senegalese (b) would pay some social organization of Senegalese in NY, like a mosque based community, and this Senegalese mosque based community would record this entry with a sister Community in Dakar for the Dakar Senegalese (a) to withdraw money from the Dakar community.
Call it primitive international banking, but it is their own paypal, and the amounts changing hands are staggering. Ultimately one more American organization is kicked out of the equation and more money makes it to Dakar.
I can see why the Senegalese model could never work in Kenya, it is too entrenched in trust, a high sense of community and expect people to be honest . While I understand there may exist some uncalled for Kenya bashing here - and that is hardly my thing- I would not be far fetched in assesing that Kenya lacks in some of these Senegalese apects and therefore cannot aspire to have a national system based on this communal model.
For the Kenyans working online for the US ( does the example of a call center type of setup qualify here?) fundamentally I don't see why should they have to be charged at all if they have accounts with American banks.Say they have accounts with Citibank in Nairobi, then all that the American firms have to do in all fairness is to pay a sister Citibank branch in NY (in a more formal version of what the Senegalese are doing) in all fairness the interest being generated by the money being with Citibank should be more important than the transfer fee. But who said banking was fair, or even sensible ?
Kenyans working online shouldn't have to be charged for money transfer at all.