I’ve used it often over the years, when I bought and sold items on Ebay, I used Paypal for payments, I still use today for items I purchase that I do not feel 100% certain about..
I keep very little money it usually under $1000 dollars just to make sure if I ever get hacked the thieves will get away with a relative little amount of money....
Basically it’s a 3rd party payment system that I use to protect my main accounts that I rarely every use for online purchases....
I use a credit card with a fixed max.