I think PayPal is worse if you're the buyer than if you're the seller. Peronally, I've never had a problem on EBAY as a buyer.
PayPal has now imposed a "limit" on future purchases unless I give them a bank account number in order be a "Verified" member.
I'm a buyer, not a seller. I have a credit card number on file and I believe that my bank accounts are none of PayPal's business anymore than they are the business of those Nigerians who keep e-mailing us.
Why does PayPal want bank account numbers from buyers when they already have a credit card number?