I know how you feel. I had my credit card compromised by PayPal and paypal basically told me, "Too bad, so sad." This was in the early days of eBay though. I have used PayPal since. I would only make eBay purchase from reputable growers, like Kawamoto.
I am beginning to consider Marni Turkels eBay site though, Mostly Species, but still resisting. With about 900-1000 plants, I'm not in any great hurray.