I'm wondering how it would be possible for a primitive to have $10,000 to put into a debit card account, unless the primitive stole it.
It's not like it'd be income from working in a job.
Overdraft protection. In all likelihood, the DUmmie is out about 200 bucks and the bank is eating the rest.
and as funny as it is because it happened to a primitive, it is a serious matter.
Protect yourself.
DON'T link paypal (or anything else for that matter) to your primary checking account. Open a small, separate one (at a different bank preferably) for that and keep small amounts of money there.
NEVER use a debit card (that has direct access to your cash) online. Ever. ONLY use a credit card, one specifically kept for online purchases.
Get a program or something if you need to, but do NOT use the same passwords and PIN numbers for any 2 things. Make them ALL unique.
COVER the pin pad with your other hand when punching in your PIN at stores.
If you don't have one already, INSIST that your bank provide a card to you with embedded chip, and DON'T swipe it. If a store doesn't have a chip reader, don't shop there. Again, DON'T use the MAG strip. I've even gone so far as to erase the mag strip on my debit card to eliminate temptation. That data is easily read and copied. The chips require a hardware decrypting device to read and can't be copied or duplicated without the use of VERY expensive processes. ONLY use the chip.
Remember, debit cards are direct access to your CASH. Even if the bank sides with you, you will still be broke until they put the money back. You don't want to be in that position. Credit cards should be considered insurance, if it gets hijacked, so what. It's the banks or issuers problem, that's why you pay such high interest rates.