I will share with you a story.... Not good if you use Paypal. This is true and happened to me:
I purchased a LCD TV on eBay from a verified and confirmed Paypal member. It was a scam and they took my money and sent no TV. Several others were taken by the same seller for different items. I used my Washington Mutual Visa card to pay on Paypal.
I protested to eBay who deposited $175 (or something like that) back to my Paypal account after they verified it...