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What it's vital to remember in this case is that there are three levels of security that websites can fall into:
1. General sites - They must be secure so they can't be hacked and changed
2. Shopping sites - They take in credit card numbers so must be extremely secure. Everything must be encrypted (both in transit and on the server) and the server must be secured to a level much higher than for a general site
3. Banking sites - These take security way beyond the shopping level. If a banking site is hacked the damage could be unthinkable. Especially in the case of systems like PayPal where credit cards and account balances are stored, a hacker in the system could not only ruin your business but could ruin a lot of other people's too. Unlike a credit card which can be cancelled, there's nothing you can do about stolen funds.
As crow said, if you've got the team to make it, this wouldn't be a problem, but I think you'll find the creator of PayPal had extensive experience in one or two areas (I haven't read the history of the company, but am assuming he was either a very good programmer/administrator or was very experienced in the banking field).
As well as an excellent team you'll need money to start up. Without money you can't afford that team. To get money you'll need a business plan which will need to show:
a) how you intend to create a system which is better than the existing ones or will be successful for a different reason
b) that you have (or have people that have) the experience and knowledge available to back the system
c) how you are going to implement the system
Once you've got that, people will start to take you seriously in this venture.
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That is one of the funniest posts I have ever read...
