The problem with paypal is their preference to link directly to a bank account.  With a credit or debit card, at least you have some protection against fraudulent use as part of the consumer protection laws surrounding credit card usage (which were extended to debit cards).  Once you give someone your bank account routing and account info, there is little you can do if you find it empty one day.

Lotus 123 ~ S-Render ~ OS/2 WARP ~ IBM 8088 / 4.77 Mhz ~ Hercules Ultima graphics, Hitachi 10 MB HDD, 64K RAM, 12 in diagonal CRT Monitor (16 colors / 60 Hz refresh rate), 240 Watt PS, Dual 1.44 MB Floppies, 2 button mouse input device.  Beige horizontal case.  I don't display my unit.