Oh, and just to clarify, I do have a personal bank account linked to my PayPal account. It is that account that I have set up to backup fund my PayPal business debit card. But, the almighty "system" has determined that it would be a "security risk" to me if it allows me to use my debit card on transactions I approve and am aware of. The almighty "system" has also determined that allowing transactions to be backed up by my already linked personal account is also a security risk to me, so its blocking them. The beyond-useless refuse to offer any other explanation other than "the system has determined".
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