I just had a scary thought... I posted this in somebody else's thread but I thought it might get glazed over and I like to humor my paranoia. What if you pay through Paypal ("Instant Payment"), and the seller waits a few days for the money to clear and then deposits it into their bank account. Then they delete that bank account from Paypal and their Paypal account has $0.00 and they never send the item to you? Can Paypal still get to the seller's funds, or is the buyer out of luck?