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No, all PayPal accounts do not have a merchant ID.
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Yes, you can transfer money to yourself using PayPal as long as you have two separate PayPal accounts.
Yes, you can pay yourself on PayPal by transferring money from one of your linked accounts to your PayPal account.
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It�s not primarily eBay...Currently, PayPal operates in 190 markets, and it manages over 164 million accounts. I use PayPal for a bunch of different websites. They have deals too ex., %'s or $ off orders, free shipping, free gifts, etc. All are listed on their website or they frequently email you specials. PayPal is used everywhere but eBay is about, if they haven't already, to go PayPal only on their payments.
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To send money from PayPal to Fidelity, you can link your Fidelity account to your PayPal account and transfer funds directly between the two accounts.
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To get an account on paypal, you have to be at least 18. Student accounts are ones created by parents for their kids at least 13 years old, these accounts are sort of tied to their parents' account.