Join Date: Feb 2013
Location: Eaton Rapids, Mi, USA
i don't use a fake name or anything, but my surname is really REALLY common - Parker.
i won't buy anything typically unless i can use paypal and i have a credit card with a very, very low credit limit on it connected to paypal. I refuse to connect my bank account, no matter how much paypal begs me to.
it isn't about no exposure to risk as much as controlled exposure to risk.
in your specific case, if you earn your own money, i would get one of those disposible debit cards and only put enough for whatever current transaction you have in mind on it. for a 5 dollar fee, you can put money on it as needed, and there is no name attached to it. if someone were to steal the information, then all they could get was the maximum amount that you had loaded on the card.
i'm not sure if you could link it to your paypal account, as they might require a name for verification, though.