First question...why must I link a credit card or bank account to my PayPal account at all? I do not have to link anything to my checking account to use it. I do not have to link anything to my credit card to use it. So why do I have to link something to my PayPal account to use those funds? Why can't it be a standalone account? If I try to buy something via PayPal online or in a store or wherever and I have sufficient balance, it should be approved. If I do not have sufficient balance, it should be declined. Why isn't it that simple? I cannot even request payout from rebate sites and survey sites into my PayPal account unless I have a credit card or bank account linked to my PayPal account. Again, that is money COMING IN, not GOING OUT. Why is that a requirement to receive deposits in to my PayPal account?
Second question...if I use PayPal to buy something, then I want the funds to come out of my PayPal balance. However, when I look at the preferred payment options, I only see my linked credit card as a choice. Why don't I see an option for "use my PayPal balance" as an option for my preferred payment method? If I want to use my credit card to buy something, I will just use it directly with the vendor and avoid going through PayPal altogether.
To summarize, I need a lesson on why it is necessary to link a credit card or bank account to my PayPal account, and I also need to know how to make it so that every single time I use PayPal to buy something, the funds come from my PayPal balance and not my credit card.
