so you have had your Paypal account for years and have not had a credit card or bank account tied to it? That's amazing! Say would you for an item I bought that was say $800 and take my word that I'll pay you? I know you're not my friend or anything but you can trust me, :- ). That is basically what you are asking Paypal to do every time you buy something. Do you think you can go into a bank and get a loan without any coladiral or security for the bank? Paypal needs a way to snatch that money back from you in the blink of an eye should any thing happen with one of you purchases or sales and without it I am very surprised they have got you yet. That's the way it works with them, sorry.
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