I understand everyone's concerns; but, on the other hand, I don't do massive amounts of money trading through them. For me, they are simply a convienence. Some sellers on ebay only accept paypal so until I either start massively buying or massively selling on ebay I'll keep taking my chances each and every time. If I lose a couple bucks sometime in the future, well so be it. I won't be happy about it; but, I'll keep reaping the rewards of winning auctions that many "soured" participants won't participate in because it is paypal only.