If you've received thousands through a Personal account then I think you've been very lucky that no one has ever tried to make a card payment to you. I would have thought card payments were way more common than using a PP balance or bank transfer because of the added protection they give buyers.
Agree. I think it's very uncommon to be a seller and not take the Paypal hit, because of CC funding of payments. It's just how many, many buyers pay. So for many--I expect most--sellers, Premium is a cost of doing business that we've accepted.