You're right — to clarify, I was trying to make the point that one can pay via PayPal with their PayPal account balance, as opposed to via any type of card (credit, debit, ATM, prepaid Visa gift card, etc). So, one can use PayPal without a credit or debit card. Stripe does not offer anything analogous to that.

I'm not sure about other countries but in the US, it is possible to open a bank account without a debit card attached to it.

And you can get cash into paypal without a bank account at all.

For instance, https://www.paypal-cash.com/index.html

In Austria you can't really get these debit cards, and my understanding is that it's pretty difficult to get them in Germany as well.

People here get useless Maestro debit cards. You can only get Visa/Mastercard credit cards. And very few people do, usually only people who travel to the US bother.

Those cards are pretty standard in America too. If you open a checking account, you'll almost certainly get a Visa or Mastercard credit/debit card.

At least in Sweden, the youth cards are usually completely blocked from online transactions.