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You can contact the support team of paypal and they will help you in solving the issue if you can provide them the necessary details. If your documents are proper, you may not have any problem.

There is no problem if you have 2 accounts. According to the TOS of paypal, if you are a business man, you can have one personal account and one premier account. So that will not be a problem. And you can have more than one paypal accounts. But that is termed as illegal. when you do like this...

Is that a very big deal to open a savings account in USA? I do not think so dude. Just add amount from your bank account. This option is available only in USA.

You cannot expect safety if your system is affected with any of the malware or any spyware. Make sure that you use the paypal acount only in your personal computer and not elsewhere. Regarding the site, it has got several features to avoid being hacked. But still we must be safe from these problems.