Allowing anyone to transfer directly in to your back account as a donation basis is a big mistake in the first place. If you are taking donations only through PayPal, that is the end of the line for you and disputes do not have an affect with your bank account. Majority of reversals (fraud or otherwise) on PayPal are account theft, which covers 90% of all disputes on PayPal accounts.
Since it is apparent not everyone here is Internet transaction savvy, the solution is to mail, with delivery confirmation, and item of thanks for the donation. If the person disputes the charge at that point, he must return the item before your account is affected. If it is simple account theft, PayPal insures the transaction for you and neither parties lose money.
If that sounds like too much for you, then simply don't spend every dime you receive and expect some loss and move on with your life. Ideally, you aren't operating month to month anyway. Remember: It's a donation, not a subscription.
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