In order to have the better experience using PayPal, you need "verify" your acount by linking and confirming both a bank account and credit card. Yes, you can use your acount "unverified" however, you will experience delays and holds both on sending, receiving and withdraws. And you may experience issues when trying to make a purchase, for example, people often see that they can't make a purchase right now or to choose another funding source. (That's just the way the system is designed.)
