Woah!! Bella settle down, as has been said on a previous post, people are just looking out for you, as a fairly new seller, I appreciate words of wisdom from experienced sellers but equally we have to make our own mistakes, its just that if the mistake is financial, it burns more.
Paypal are known for being shits, but if you are happy with them, and you don’t get shut down, then great. Paypal is easier I admit, and I’ll also admit I use it extremely rarely, but I for one don’t want to lose money if there’s other options, Do you?