Lots of good advice here, thank you all!
I have bought on ebay using the guest feature, and just used my credit card. Truth is, I don't really think I need this for buying. I rarely sell anything online, except occasionally here, and in that case I trust the forum members and accept their checks or money orders.
The reason I am considering it is that, due to recent circumstances, I will be selling some fairly pricey musical instruments on forums similar to this one, just music oriented.
I guess I would definitely set up a neutral bank account, I have heard they can freeze accounts linked to them. I also might just set this up to accomplish what I want to do, then just shut it all down when I'm done with it.
Thank you again for all the advice!