Ranger I know how you feel, and for a long, long time I would not use paypal and paid only by cashiers check because I almost got hacked by a faux Paypal site.
The web site was identical , EXCEPT, for the phone number.
I called the real ones up and told them , plus if they were that easy to imitate I would no longer even try to use them.
When paypal was divorced from Ebay, not owned by same people, I gave them a chance, OK so far, with refunds.
At that -- I have had two deals on Ebay go bad, one I never got a battey charger, and after, I got my refund after playing hardball but is was FedEx who screwed up, and refused to send it back to the sender. The dude I bought it from ended up taking the hit.
Second one I bought a Cannon chain saw bar, best there is and the gent sent it, I opened it , sealed box, and it was an empty box; he finally refunded my money when I again played hardball with Ebay, BUT, this is sad, I found this out at a Arborist site, gents who have bought straight from the company (these bars cost 100 plus dollars) ended up recieving an empty box.
In the long run I have come out OK, but I have not sold on Ebay yet, and when I did on Gunbroker, it was , NO RETURNS, AS IS.