I`ve heard horror stories about PayPal, too, but have been a member for about five years and have never had a problem (except for a couple of shysters who used fake credit cards) with them. I have a support phone number which I use with no problem and they have always been very responsive. I just trasfer my funds occasionally directly to my bank account -- they charge for checks and it takes longer. In the past i`ve kept large sums of money because of the Money Market interest which was much better than any bank I knew of. Lately (thanks to our economy) the rate has dropped so that my bank almost matches it. Of course, now that I`ve glorified PP watch me run into a problem.
"The Home of the Literary Test Generator"