paypal is a scam waiting to happen, I have had a bank account cleared out and a credit card maxed out, all from someone hacking into my acct. The problem is, most ppl use the same password for ebay as they do paypal, ebay will let them break into your acct, they then have access to your paypal email (as ebay stores it) and bam, they are into your paypal. NO, I would not use it anymore, BUT one way it could possibly be avoided I guess is if you gt one of those prepaid debit cards at walmart or walgreens and used that for paypal instead of an actual credit card, and new put your bank info on there, oh well, you're not verified,...do you really want paypal to have your bank acct info and your ssn?