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I always just follow the letter of the law of the auction. If you stated "confirmed account" only, you are not required to send it, so it's up to you. Since paypal isn't a real bank account, they get away with a lot more then normal.
They are more like a "cheap escrow" company.
I have had a few occasions where I accepted payments from people and later on those people called their credit cards that funded their Paypal account and complained, and got the money back, AND I was stuck with the $10.00 chargeback fee.
So it's definitely Pro-spender on Paypal and not Seller.
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