I've been using PayPal for eight years and have never had a problem. 

I have it linked to a bank account that has only a small balance, and I usually have Paypal take the balance from a credit card, but these precuations have never been needed.

For purchases from vendors I haven't used before I can get a "virtual" credit card number from my card comany that expires in one month and can only be used once.

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The Wisdom of bagginsbill:

"Oh - the manual says that? I have never read the manual - this must be why."
“I could buy better software, but then I'd have to be an artist and what's the point of that?"
"The [R'osity Forum Search] 'Default' label should actually say 'Don't Find What I'm Looking For'".
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