ive had my paypal account for over 8 years- and have not had any problems with it. i order things using it- i receive payments for various things with it- i've sold things using it- i've never had a negative issue of any kind.
read the rules- read the guidelines- read the policies- be sure you understand how it works- if it all works for you- go for it-
i am very happy to have my paypal account it has simplified so many things= and makes it possible to accept credit card payments which really helps sometimes too.