Yeah. Hmmm. I guess it's safer to add to my account, but I don't want to spend it for any reason until ps5.
Well, I can't cancel. But there does seem to be buyer protection. I don't know how well it works, though.
The worry isn't about getting your money taken, paypal should just give it back. The worry is what the person who hacked that account is going to do with your info (name, address, phone, etc.).
Also, most of my orders default to trying to use the gift credit on my Amazon orders. It's annoying to have to uncheck it constantly if I don't want to use it. Might be an option to not default to that, but I've never looked.