I've had a paypal account for years (for Etsy and
Ebay). I'm not crazy about the charges, but I've never had any problem and I have no problem paying extra for instant payment, no standing in Post Office lines, etc. I don't like to keep too much money in the account, so when it gets about $100.00 or so, I have it transferred to my checking account at my bank. I'm a senior citizen, I no longer drive so this is a lifesaver for me. I've heard sad tales, but have not experienced any myself.