My sentiments exactly. I had linked in a checking account and had no problems. But after I heard the stories I figured I've been taking my chances for long enough. I'm going to be selling things on eBay worth more than $25 once in a while... and I damn well want to get the money when I do. I have deleted the checking account and the spending limit has returned. When I've reached it, well, most sellers have more than one form of acceptable payment. In fact, the seller of the last auction I won doesn't accept any form of electronic payment. There's a good old-fashioned money order on its way to him now.