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If paypal closes or freezes your account they have so many days to fund you the money. Unfortunately this is a long period of time. I have heard of people getting their money frozen but in my honest opinion I think they were violating the Terms of Service.
Other P2P systems:
E-Gold.com -> No chargebacks! But have to fund/withdrawl through a 3rd party using exchange rates. Or opt for them to send you the gold. They also do Platinum, Silver, and other metals. My small balance has almost doubled just because of gold being valued more.
Epassporte -> Never tried it out myself but looks promissing.
MoneyBookers.com -> Will accept people from paypal banned countries but in return are very stricked and require ID documents.
PayDirect -> Yahoo's attempt at PayPal, tried it but not enough people use it in my opinion.
Personally I would use E-Gold.com if you could since there is 0 chargebacks once the money/gold is in your account its yours. But if I had to choose a different one it would be Epassporte, seems they have a few minor acceptance issues but once those are worked out will be a very nice system. Wish they would build a gateway so merchants could debit a persons Epassporte account =)
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