PayPal Scam?

To be on the safe side, how about setting up an free checking account at a bank near you, that you don't use for anything else but paypal/ebay transactions. That way, if a scammer does manage to access it, the damage wouldn't be catastrophic because it isn't your household checking/savings. I actually had an account like that before, but while I was deployed to Kuwait it got deactivated due to inactivity.