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Buying on Ebay.... paying throught paypal, but want to use my personal account

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Buying on Ebay.... paying throught paypal, but want to use my personal account

Ebay has seller set up where they only accept paypal. (which is fine, I do also) But when I buy something on ebay, I want to use my own checking account, I have money in my paypal, but these are sales that I made through ebay. I like to wait at least 30 days before I touch this money, in case of a buyer problem. This is the second time I bought something through ebay and it emptied my paypal account. How come I can not use just my own personal account?