Every monopoly is somekinda scam, you can still safely use paypal but,
never ever go all into it. you cannot know what is going to happen in future.
Ya i also agree with you.Just use it if only necessarry.Don save too much money on paypal.Withdraw it to our bank account when we don wan use that fund.Many seller has complain about paypal because of reversed fund.
even though the money you've gotten from selling a services had been withdrawn to your bank account,the paypal still can request you to get the money back to the one who just request a chargeback,if you're verifying your credit card with paypal,you'll be automatically charged and if you weren't then your paypal account seems going to be disabled