I buy and sell on eBay since 1998
I rarely have had a bad transaction with them. I recently had a huge SNAFU (my own creation) and paypal’s customer service walked me through the steps of getting everything straightened out and corrected.
When selling on eBay I cringe when someone doesn’t pay with paypal.
When I get a Phishy email from paypal I pay no attention to it and delete it. I get emails from WaMu almost daily that my account is in need of attention and I have never had a WaMu acct.
There are many other evils in the world, but in the grand scheme of things eBay/Paypal are not in my top 100.