Paypal is totally out of my circle of confidence, ebay might come to be.

First of all a big hello to this wonderful community, fighters for the freedom and some justice in this vast cynical world: a big hug with love to all.
Second, I am a little bit in rage mode, and third, English is not my mother tong, so I might commit some errors expressing myself an this two last factors may have some influence in it.
So let me say for me paypal=garbage. I am tired of the dishonest behaviour of them, so I exclude them totally of my white list so for me paypal is totally equal to sh*t. But enough talking, lets support my saying with some facts.
First, in the past when I had an account, when I had a problem with some item that I bought on ebay the reffund was going directly to my account. Some time after the refund would go to the paypal account, and no matter what I did, I can't redeem it to my bank account. But ok I give them a pass on that... Them some time after they ask to Withdraw money from my account in order to certify my card, and said that they will give the money back if I give them back some 4 digit code that appears on the transaction. I agree, and guess what: they send me not a 4-digit code but a 3 digit (see atachment!). That was the drop of water for me, they stole me 1.50€, and OK I closed my account immediately. They never ask me why I was leaving or why I take that decision, nothing! And I was with paypal doing purchases on ebay mostly by almost 3 years. Great!
Then I started purchasing on ebay by using my debit card directly, no problem so far until 3 days ago. I bought an hdd by the price 19.34 and in my bank account was withdrawn 20.14. I call the bank and they said that PAYPAL has withdrawn the 20.14€. Paypal again? I become to realyze that paypal always has a part on the process of doing purchases on ebay, always, even if it is with your direct debit card! So I send this message to ebay (I totally refuse to talk with paypal!):
"I have this problem:
I bought an item recently in the value of 19.34€, but in my bank account I was withdraw 20.14€.
I had call to the bank and the bank said that paypal has discounted that value in my account and that I could make a police ca se if I want to.
1 I had bad experiences with paypal after, and I recently close my paypal account for that matters, and starting paying the item s I purchase with my debit card directly. Now I come to realize that paypal still have a part on the process of me buying on e bay! I am not pleased with that!
It's not by the value per se but buy the attitude: I'd like to have my questions above clarified and I would like to have the money difference (0.80€) in my account, please.
More: I will not talk to paypal, they want they call me.
Thank you very much, I will looking forward for an answer."

And I am waiting for an answer from their part. If they give me an unsatisfactory response I will end up right away with ebay! I simply can not deal with a person that is primary partner is a total dishonest guy, I exclude both!

I am furious with them, and obviously it is not by the values 'per se' it is the attitude. How can I trust making future purchases, if I don't have confident on them, I will never know the value that they will withdraw from me! Unacceptable!

What is your experience with paypal, and ebay for that matters?
where and how do you do your purchases?

(see atachments, this is not small talk, I prove what I say.)

Bye and best of the world for you.