I've never had a issue with paypal in the 16 years I've used it. I've asked for a refund on a software purchase a few years ago and got it cause I never received the software. I had to confirm my address when I recently upgraded to business account to get the paypal debit card. I use my debit card everywhere..
I guess the key is to make sure you never send or receive money with a porn description and don't deal with shady fucks..
