&gt; You might say that you&#x27;ve never had the above problems, and that&#x27;s fine. You&#x27;ve been incredibly lucky.<p>Not only that, I never heard of such problems and pretty much everyone I know under 50 uses paypal.
That said, it&#x27;s good to have you horizont broadened :)<p>But I don&#x27;t have money on my paypal account anyway, whatever they need they just take directly from my checking account, when an order falls through, I deposit the money back to my account immediately.