Not practical when you want to pull money out, but I only have paypal hooked up to my CC. This very reason is why I never hooked it up to my bank account. When I do get people who paypal me money, which is not often, I just use the money to load my sbux card or something.

Obviously this is harder to do if you are a merchant who takes large amounts of money through paypal. In those cases though the merchant should have already segmented the paypal hooked bank account from the primary business account. If you are a merchant and have not done this, now is a good time.