I always use it with ebay and paypal. I have seperate torrc files for all of my log-ins and they are each set to leave through seperate exit nodes.
I have only ever been suspended and limited due to the items I sell, never because of my IP and I run ebay and paypal accounts all over Europe with TOR.
Homework and preparation is a must but I find TOR a very useful tool for overseas accounts.
My Microsoft key sales on the other hand cause many issues!
I do agree with you partly on the bad idea, unless you know what you are doing with TOR it can cause many issues due to its secretive processes.
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