We use PayPal for a few scattered customers who have problems paying with a card and the occasional eBay sale, so I don't pay much attention to it. Whenever I see a PayPal horror story, I transfer all funds out of there to my bank. It's not the most effective sweep method, but it works depressingly well. I wonder what PayPal's cash balance would be if it had a reputation as being a safe place to keep a balance?