You can refuse them access to your bank account if you are only purchasing items.
They try to make it appear that you must give them access; if you simply refuse to do so, you get an account you can use with a credit card. Each time you use it they will attempt to bluff you into giving them access to your bank account.
Just do not do it.
They gave me $2,000 limit on purchases on my CC. I then use it for maybe $200 and they then suddenly claim they need to link to my bank account or get their credit card. This has happened twice over the past 5 or 6 years. I’ve always only purchased using Paypal, never sold anything.
One thing I’ve learned about PP is that their policies are very whimsical. Certain people seem to get along fine and others like myself nothing but problems.
I finally got tired of messing with them plus their views on the 2nd Amendment were a deal killer.
or set up a bank account reserved for that only and leave only a small amount in it.
I did that.