The shills never give up do they? I realize what you're getting at, in comparison to changes with "managed payments" but it's not even comparable. The facts of the matter are different, in that Ebay's move to manage payments and tap/store bank account data directly, when it is known for having lousy cyber-security, is paramount to extreme risk - at the potential expense and loss of the sellers that keep Ebay in business.
Seeing the recent Cyber-ransom attack by DarkSide on Colonial Pipeline is just a taste of what's to come for Ebay, because by touting they will now behave like a one-stop shop for financial frangibles, trying to be both bank/sale/credit and eventually investing service in one (i.e., a la Paypal CEO Dan Schulman has been facilitating) it has put itself out there as a "get" for every 2-bit hacker world-wide, to access and acquire hundreds-of-thousands to millions of bank-account numbers and private data that would not otherwise be shared with Ebay.
Ebay's cyber-security is NO match for the security Paypal had, and continues to have, in place - as well as Paypal was always a buffer between Ebay's irrational, negligent, and grossly ignorant handling of its fees, penalties, and mistaken accounting over the years. With Ebay taking the helm of being both bank and jury, you will have little to no recourse of dispute fees and deductions in real-time, against real cash-dollars, versus the ethereal cushion of those transferring payment or fees to Ebay solely by credit card - and at will.
So please, again, don't be a shill - this "managed payment" plan with bank-account on tap move is not just another one of the useless and silly utility ideas that Ebay has concocted over the years, many for which I went along or had been indifferent.
This is the first time in my 21-plus years on Ebay I have truly spoken out about a really bad platform idea on Ebay's part, which they are working hard to try to sell as an advantage - primarily because they simply don't have the security to back it up. Yet, they won't be there to help you out during their next big security breach, as some hacker clears out your bank account in one fell swoop, for which that won't be FDIC insured either (because the hackers got access to your account through vehicles you shared to a third party, none other than Ebay.)
Whether Ebay has had stupid ideas that were purely academic or solely aimed at interface functionality in that past are one thing - but a stupid idea that puts the inherent financial safety and potential compromise of sensitive data act risk - such that can destroy someone in minutes - is colossally stupid idea.
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