Well, I do use PayPal. I've never had any problems with it, and I would rather use PayPal than give a merchant I don't know my credit card number. PayPal takes the money out of my bank account like the debit card does but I don't have to reveal any personal information to a stranger...that's the main reason I use it. That I don't carry around debit/credit cards with me, and PayPal allows me to buy from any computer that has Internet connection (probably not a good thing). It also gives me a nice record of what I've done in terms of shopping, and someone to complain to if I have problems with the purchase. I've been using PayPal for about two years now and probably spent thousands of dollars (I would have an attack if I figured out the actual number) at this point and never had any issues with it. I guess I've just been lucky.