I use PayPal but try to stay under the $200 guarantee limit, so I don't get ripped off by Randy West in Las Vegas when he sells me an '87 Ironman with no intentions of ever shipping it. As it was, I lost $50 on the deal.

I try to use Postal money orders, because they're basically legal tender and don't require me to have an account, etc etc. And banks are supposed to cash them, too.

I'm OK w/PayPal for buying. If I'm selling, I know I'll get nailed for a fee, but yep, it's convenient.