If you or more likely someone you know like a family member are prone to phishing scams, paranoid, or simply security conscious, then this may be something to look into. Basically this is one of those devices you have with which you need to enter the code it displays in order to login to your PayPal and eBay accounts. Having a physical device like this is vastly more secure that just a password alone. No worries about having your password stolen when you have one of these on your account I guess.
About the right price-point too since $5 is about all I'd be willing to spend on something like this anyways.
https://www.paypal.com/securitykey
https://www.paypal.com/securitykey