Hmmm....calm down.

The business I'm doing this cart for only has 20-30 products and they don't want to make people sign up for an account. They hate how every web site makes you "sign up" and want their cart to be more like jcpenny.com or one of those other sites that allows you to order without creating an account.

Having a feature like that is not a way to "dummy down" Zen Cart, it's a way to improve it.

Also, PayPal is fine if you want to donate some money or buy something on eBay, but it's not a very professionial looking option for a business.