I've used a Mastercard debit card online for quite a while and I don't have the "It will happen to someone else", but my bank has been exceptional about covering fraudelent charges, which I've had 3 or 4. I also keep very little money in that account and use it only for that purpose. It's not a good idea to give Paypal or any debit card account too much funding. I highly recommend also that you get online banking with any debit card so you can watch transactions like a hawk. Finding out that someone charged your card when the statement comes out is not the best idea.