15 years buying and selling there and other than the fee structure, I haven't had too many issues. Early on fraudulent users were rife and I had one who tried to pull a fast one on some camera stuff I had up but I caught on quick and reported him. For the most part I'm fine with using the service, but as I mentioned prior the fee structure can be a bit off-putting.

As far as CC fraud is concerned, you'd be very surprised how, when and where CC thieves gain access to your account(s), eBay is the least of your worries (unless you use a silly, commonly used password for your account :-/ ).

But once bitten, twice shy I suppose can't blame anyone for that.