When I had a paypal account, I had it linked to a separate bank checking account, which generally had just enough money to cover the most recent transaction and a few bucks additional. My logic was if the paypal account got hacked, the crook would get very little for their effort, and I would get immediate notification of an overdrawn account or a denial of the payment. Not sure if this is a good solution, but it does not matter, as i gave up on paypal after they were hacked.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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