about paypal...H.E.L.P.  

can someone help me about paypal.
i never created any paypal account right now for i am afraid that one day they will come in fornt of our door telling me that i have lots of credits thats should be paid.
i just want o ask you guys how paypal works here in mylot. i visited the paypal site but im still afraid. i am only 19 years old thats why i dont know hos things work at paypal.
these are my questions:
1. if i signed up for a premier will they ask me for a registration fee?how much if ever?
2. if i want to receive my payment here on mylot, is there any fee that is hould pay in order for me to recive it?
are they will be deducting it from my account balance?
3. is there any card like an atm card that i must receive from them?
when can i receive it? how many days should i wait after m,y online registration.
4. what if i dont have any payment recieve from mylot, will they be asking me for a rental fee of cards or their services?

i want ot know all the answers. thanks and more powers.