@jamieb he's absolutely critical to it's early days, no doubt.
But it gets skipped over that PayPal becomes PayPal DESPITE Musk, not because of him.
He profits from what it became, not what he was determined to make it into.
And if he'd not been couped, chances are PayPal would have been just another DotCom with a grand plan that failed when it stopped being able to raise funding.