PayPal is absolutely the biggest no no.
Paypal: it's very difficult to properly protect your real identity, meaning it's easy to be doxxed.
Sending money for sexual anything via paypal is against their TOS so the user can report you and get you banned and the $$$ returned. They can also ask for a refund and because you cannot tell them what the $$ was for you have no recourse meaning the customer can completely screw you.
PayPal acts like a bank but has none of the laws applying to them that banks do. Meaning if they think you're breaking TOS by existing as a sex worker they can take ALL YOUR MONEY and you never see a dime. I know of models who have lost 10,000 dollars and had to fight legal battles for years to get it released. I had $500 taken and my account banned for life. I wasn't even using it for sexual services they just realized that I am a sex worker because the email was the same as my camming email. The $$ I was getting was a gift.
Bottom line: terribly unsafe from refunds, losing all your $$, and identity exposure.
Also side note: don't worry about how much the models cut is. There are other factors that may make a model prefer tokens. They might be pushing for rank, a camscore boost (on mfc if you don't make a certain amount of tokens per hour on average you get pushed further and further down the page resulting in less exposure). Or they may prefer the charge back protection that the site offers. Ultimately, your best bet is to use whatever method the model prefers. Their cut is their business.