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How are you paying with pay pal if it's not connected to some card or bank?
(edit): I'd strongly suggest looking into online banks. There are quite a few reliable ones, most allow you to use their services for free and will even provide a virtual debit creditcard.
Stored credits. In some countries you can make online payments to Paypal but without actually linking your bank account, resulting in your Paypal account containing actual money yet without any risk of them draining your bank account.
Ohhh, I guess some countries don't have protections on debit/credit cards like others.
If PayPal is the one changing everything, then I hope they will get backlash of some sort. I'm gonna close the account then. Everyone have a great new year!