I have the same experience Maggie has.
My bank charges me $10 a month for checking plus each check, why shouldn't pay pal?
They give me protection both buying and selling.
I am comfortable paying the Pay Pal fees because I know that if I am unhappy with a purchase, they will back me up. Likewise, if my buyer is unhappy, they help them.
I use the PayPal debit card. There are no fees associated with the card. I use it to pay electric bills, etc., just like any other debit card.