I use PayPal when I have no other choice but I do not let PayPal have access to my bank account. Instead, they pay via a credit card. I can easily dispute a credit card purchase, although PayPal claims that they guarantee satisfaction.
I use PayPal with any vendor that accepts it, and, as a matter of fact, I've paid a buck or two more on occasion just to be able to use PayPal.
But I thought you had to link a bank account to your PayPal account, or is that only because I'm a seller?
I was involved in one PayPal unhappy customer incident, and they took care of it so satisfactorily that they made me unhappy. (Don't ask!)