I don't even link my real bank account to my paypal account. I use an old one that only has 0.01 in it just to keep it open and make me a verified paypal user. Anytime any money is deposited in my paypal account I get it out asap. If the buyer files a dispute and paypal rules in their favor they can actually remove the money from your bank account even if your paypal account is empty. Paypal is quick, easy and convenient but has many downfalls.