>They love to debit any linked bank accounts to pay any fees or clawback any money so they can freeze it. >And PayPal requires you link an account for verification now.

What's the problem here? If you give them access to your main bank account, you're an idiot. Just set up a separate account for the sole purpose of linking to PayPal. You should do the same for any case where you need to link a bank account to an external entity.