Hey Barney. You don't need paypal to use ebay. I don't have it, and I have bought LOTS from ebay. Most sellers will let you send money orders, cash, or, since you're in the States, personal cheques. Money orders are your safest bet, since they are traceable in case the seller takes the money and runs. Prices are still a little high on the Y-Wing though. Lots of people, including me, haven't been able to get this ship. Once the market is saturated, or people lose interest, which may take a while, the prices will drop. Just take a look at what they have sold for in the last month, and you'll see the current 'value' of this ship, and what you'll expect to pay for it. Hope this helps you out.
Barada