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The solution to that issue, if you use Ebay or other online merchant sites enough, is to have a separate checking account set up for that specific use. Which is what I've been doing for 28 years now...I've got some stuff accumulated that I would like to sell, but I will never give e-bay, or any other on-line merchant, unfettered access to my checking account. NOT.EVER.GOING.TO.HAPPEN.
When I get off my duff and decide that I want to sell the stuff, I'll probably got Facebook marketplace, or something like that.
This is what I have mostly been doing the last few years as well. I buy and sell used gear at a shop here in Bangkok. Local prices can be higher or lower than on eBay, but their fee is reasonable and there are no shipping hassle or shipping cost, at least not for me. Also, there's the environmental impact of shipping used gear by air around the globe.I have done but I doubt I will use eBay very much. Here in the UK, I've found that several prominent camera shops give you a trade in price which is not far off the ex-fees value you will get off eBay. I've done this a couple of times because it saves the pain of packing and despatching and I could hand over my gear and then walk out with what I wanted in return. I and only used eBay for an item when I feel I have been low-balled for in trade-in.
I sold an item a couple of weeks ago and the main drawback is that eBay are operating as a bank, e.g. they get the cash from the buyer and then invest it like bank float for a couple of days in the overnight market before giving it to you. From Paypal the transfer to a bank here in the UK was pretty much instant.