I try to keep all entities separate, and not to have too many eggs in one basket. In this case it means I pay for goods preferably directly from my PayPal account, or from a separate credit card. That means there's little of my money in their unregulated hands, thus reducing the ways they might decide to screw me over.
No way would I let PayPal have any access to my bank account; they don't need it.
I have a separate bank account just for PayPal. Layers.
I've had this arrangement for nearly 20 years, long before eBay bought them out. I've been generally a happy PP customer all that time.
This BS is ENTIRELY to do with eBay trying force people to use THEIR checkout process and give them direct access to your actual credit/debit cards, and I won't have it. Fuck eBay.
Clearly eBay's "divestment" from PayPal is nowhere nearly as complete as they would suggest. Otherwise they would not be able to dictate to PayPal how those funds are handled on PayPal's side, MY SIDE, of the transaction. Again; fuck eBay.
I just spent nearly $300 on my wife's birthday wishlist with Amazon. Don't regret a penny of it. And don't regret not even thinking about shopping on fleaBay; even though more than half that list was the kind of "Bed Bath & Beyond" homey stuff I've always gotten from there.
mnem
In case I didn't make it clear: Fuck eBay.