I been using PayPal for a couple of years without a problem yet, at times prety often. I have been using the EFT feature where it transfers funds directly out of my personal checking account to pay for purchases like on Ebay. I have been getting emails confirming "payment recieved" within hours of submitting a "pay now" order. I just got to remember to deduct it from my check book.
As to your question, WHY would you want to store money at PayPal anyway???????
Hey if it's cause you want to use the "Send Money" feature on PayPal to pay someone, you still don't have to add money to the PayPal account to do that. I've paid a few transactions I ordered by phone thru PayPal's "Send Money" feature. Never had to "add funds" though.