In my post, there is a following sentence:-
"I checked out Paypal with my credit card provider before I set it up this way; if eBay or Paypal feel a sudden urge to reimburse an arsey buyer, they can't just dip into my bank account, they have the credit card provider to deal with as well as me." which makes the phrase you quoted more relevant to Steve's original post.
If your version of the Board didn't display all of my post, you should contact Martin about that.
Otoh, if you've deliberately quoted me out of context, that's trolling; Martin will likely contact you about that.