OK, I'm glad that
their banks are insured, but if Dwolla goes bankrupt are you sure I'll get my money back? I'm not.
PayPal does the same thing, but at least they're upfront about how it works: https://www.paypal.com/cgi-bin/webscr?cmd=p/gen/travelers-ou...
And I don't keep money in my PayPal account either.
