fj12ryder wrote:
I've never done any Paypal the way you've described. They give me their e-mail address and I send them money through Paypal or I give them my e-mail address and they send me money through Paypal. I've never done an invoice, ever. 
And I don't see how they are going to "hack into your account" by simply knowing your e-mail address?? Please expand on that.
I don't like Paypal, but I've used it quite a bit for selling stuff on Ebay, they basically shove it down your throat, and have never had a problem. I set up a Paypal account over 10 years ago and have had no issues. That doesn't mean I like it, just that I use it.
Hmmm ...   I have never given my paypal e-mail account to anyone.   If you log into Paypal, there is a tab that will "create invoice" and a tab that says "request money".   Both tabs send a request for payment to the person you are selling to.   Now that I think about it, my e-mail addy *might* show up on that invoice or payment request, but I don't recall ever seeing it when someone sent an invoice to me.  I'll have to see if I can find one.   I may have mis-spoke, but I know that I have NEVER given my e-mail out.   I either use the "create invoice" on paypal or have e-bay invoice it.
I agree with you on one point  -  I was very skeptical and afraid of paypal for a while.   However, after having to use it at my work (we sold media items from our website), I became more accustomed to it.   I have found their resolution dept to be very good.
*How* can someone hack into the account with only e-mail info?  All I I'm not a hacker, but I know that it can be done.  Even on their website, paypal mentions a "hacked account."   All I know is that I don't want to give anyone any info that could possibly allow a hacker/scammer to have access to my credit card or bank account linked to paypal.   
I think both ebay and craigslist *can* be used carefully and  there are no problems; however, there are scammers and crooks out there.   It behooves all of us to be careful.