I set up a new account at my bank for ebay to connect to, and it works fine. Cash accumulates there instead of in my PayPal account. The ebay account is insulated from my other accounts, so in the event of a dispute or charge-back, only the ebay account can be impacted. When the balance gets high enough, I move money from the ebay account to my regular account, same as I used to do with PayPal.
I find the new process painless.
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