Nice job getting back on the wagon before hitting a wall.
I sort of had no choice but to sign up for managed payments. They did prompt my login into my checking account to synch up/validate the setup, but it was seemingly through a secure portal which gave me access to my bank. I didn't get the sense that eBay was acquiring my info, but just getting things aligned while not viewing my credentials.
I heard about the gangstalking situation but tried not let a few rotten apples ruin it for me. I suggest maybe tuning out the boards since they seem to demotivate via complaints there. If you focus on your business and revenue, that stuff may become less weighty towards your overall satisfaction. I think there's still value in using the platform even if things are going to be different on the payments side.
I don't think managed payments will be detrimental for me, but I've simply accepted it as a necessity for continuing to sell there. I've been trying to sell more and more off of eBay for cash, so I feel ok about it.
This is another option I'll be testing out: https://www.letgo.com/en-us