Money market thing is ok, unless you are dodging the IRS.
Where else can you get 5.04%* on a super low balance like a few dollars.
It doesn't change anything, it operates the same as before.
Paypal is a good gateway, but true, you don't want to leave a high balance.
I only had one guy use his moms credit card, and she complained, and then they did lock the account for a few days, it is stupid the phone attitude they give you, like you are a criminal or something.