I have heard a few scary stories regarding paypal and personal accounts. They made an error on one sellers account, froze half his funds and took 4 months to get it straightened out. My thinking is that since I do not want money in the bank, only use it for purchases, I possibly could use the prepaid CC. As I understand it, paypal takes theirs off the top, then ebay can draw seller fees. I think they said you could use either one, bank or CC.
We are retired and my hubby is not in the best of health,,at least it would give me something to do in the winter. Summer isn`t so bad with 6 horses and two gardens but winter is boring. I can spend a lot of time at the flea market.