Best to use LastPass (or equivalent) and require your master password to use the Paypal account.
Having to reverse the payment is likely not "minutes" when talking to any customer service org.
Having to reverse the payment is likely not "minutes" when talking to any customer service org.
Although, you wouldn't even really have to call them. You can dispute the charges with like two clicks on your account page. It's just that if you call them, they can instantly settle the dispute in your favor.