Ok, so after having a tiff with one of the girls in Customer Supports from eBay, I was finally able to speak to someone that could hold a conversation without taking offence to an upset customer and had more brains than a Nincompoop
... Jason, "The Human" that I spoke with informed me of the following, "The Buyer Protection Plan is to protect the buyer from a falsified, damaged or lack there of an item. eBay states that everyone has to give their credit or debit card to eBay for the purposes of identification and or the Buyer Protection Plan. It is stated that once the seller reaches 25 sales with an adequate number of good responses, over $300 in sales and 90 days of selling then the person can maybe change the method of payment from a debit or credit card to PayPal. But it is at the discretion of eBay. So in other words, if a buyer opens a claim against the seller...The seller will either have to cater to the buyer to make sure they r happy or it goes to the Buyer Protection Plan. At that point eBay investigates the case. If they find that the seller is at fault eBay will withdraw the funds from the debit or credit card that the seller listed.
I ended up giving my card to eBay. However, I think that once I sell the last of the items that I have on there currently I will close my account with eBay. There are plenty of other sites out there ready and willing to support my business in a less stressful environment!!!