I didn't use paypal for a couple of years because I lost a couple hundred bucks through them. I ordered some motorcycle gear (Jacket and Gloves) and it never came. I checked the seller's info and since I had done the "buy it now" almost every other person had left "item not received" negative feedback. He had near 100% before that. Anyway, I called paypal, expecting my money back and they gave me 25 bucks! I asked for the rest but they said his account was overdrawn, and they couldn't give me more. After a few days of arguing, I just stopped using paypal. I only started again when I was selling a lot of CRX parts, because it's a lot easier to buy and sell stuff using it, people feel more secure. Ideally, I'd like to only do stuff locally, but obviously that's not possible.
Now a couple years later when go to use my account (this past spring), they wouldn't let me use it! Apparently I needed to confirm my bank account... ok... the one tied to the paypal account has been closed for over a year! There was an issue because I closed it. They wanted me to verify the address on the account, and I told them it doesn't even exist any more, and I don't live at that address either. They refused to let me use the same email address so I had to open a new account, and I couldn't link my main bank account to it either because it was also linked to the old one. What a pain... and to make it even more fun try calling them, they are one of the worst for customer service.