Dont send cash

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Being disabled and having trouble getting to the Post Office, plus waiting to be verified on Paypal,
I had 12 things to pay for on Ebay, so thinking it would be safe to do so, so far  out of the 12 payments, one arrived ripped open and the money take out, plus 3 have not arrived at their destination.
I know idiot for doing that way, but when you cant get out and sellers are pressing for payment and some wont wait, what do you do.
Paypal really should be able to verify credit cards, bank accounts faster,
this is my first time on ebay and now after losing money I really dont feel like using ebay again
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