Notwithstanding all the other issues that may arise with Paypal, I don't believe you are correct about this. I have a paypal account, with a balance, and I have not signed up for their credit card. You may be referring to a change that happened a while ago resulting from regulatory changes in how Paypal has to treat balances. Some info here: https://esellercafe.com/paypal-us-co...lance-account/
I tie my paypal account to a long defunct bank account. When I want to take money out, I request a check at the cost of a couple bucks. I do that at $500 or more so it's a small price to pay for "insulating" my paypal account.
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