The risk of using PayPal or any debit card is small, but when disaster
strikes it will be a nightmare.  If you must use such a device, have
a separate account with as little money in it as you can get by with.
True credit cards pose no real risk.

I decided long ago to stay away from the debit systems even though I
was well paid as a programmer to write and install one of the largest
in the country!  Lots of luck!

The problem is not the technology but the laws and rules governing
recourse.  This is why the Nigerian junk email scam works so well.

Perhaps, someday they will offer the same protection as the credit card
companies and some of you may be old enough to remember when you had no
credit card protection!

Don Winter