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.
I agree with you, if we dont really use too much or actively use our funds its really better to transfer it immediately on our bank accounts. Cash back feature of paypal does really have advantages and disadvantages on each transaction. Peoples intentions would really affect the reputation of paypal. Cashback charges could always possible to use to scam someone.