I have used them for years also, NEVER a problem at all.
dont use your usual passwords for it. Make something special
for it so you dont get confused with an online password.
I also keep a file on my computer for paypal transactions, when I order something I put that in the file, when the payment receipt comes thru I put that in the file, it all balances out verses where the funds are coming from and
its like balancing a checkbook.