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It's more difficult to garnish funds from a credit card, hence the bank account. My family had some very bad experiences during PP's heyday of abuse, which I understand has improved, but it's still a little dangerous. My one recommendation would be to open a 2nd account at another bank and use it exclusively for PayPal. Your goal is to minimize funds that might be frozen for up to two weeks should PP experience an accounting error or fraud at the other end of a transaction.
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There are a vast number of people who are uninformed and heavily propagandized, but fundamentally decent. The propaganda that inundates them is effective when unchallenged, but much of it goes only skin deep. If they can be brought to raise questions and apply their decent instincts and basic intelligence, many people quickly escape the confines of the doctrinal system and are willing to do something to help others who are really suffering and oppressed." -Manufacturing Consent: Noam Chomsky and the Media, p. 195
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