Theres penalties for not giving them a bank account to link to. For instance you can not use paypal to pay for a purchase - they want a bank account - even tho you have money in the paypal account.
You can however use the debit card they give you. Ever since we got taken and paypal did little to nothing to help us - i will never link an account to it.
Also, we ran this once last year when we where powersellers on fe****. Buyer buys a product and paid for it with PP, we shipped it, gave feedback. Buyer stayed silent for about a week and then we got a call stating the item was damaged. It was shipped with insurance so we started a damaged package claim and needed them to do so at thier post office. They refused, contacted PP and said they wanted a refund. Buyer shipped empty box back to us, PP refunded thier money to them.... We where out the bow and the money and PP refused to do a darn thing about it. The funny thing was we opened the box at the postoffice infront of the clerk - PP still would not hear of it.... Oh and we took a neg feedbacka nd DSR hit that Fe**** would not step in on...
Sure PP protects the buyer first and seller second - no issues with that, but the system is real screwy.
Like i said, i use them when i need to - but PP is like anything with fangs - pay attention....