You write:
"Doesn't matter what your credit line.they want you to send cash to your account so they can draw interest on your money."

My account balance is zero. I do not understand why you would want to send money to your account if you are not going to use it.
If it does happen I want to buy something and I have not received enough sales in my account, I have the choice of using my credit card or my Bank account for PAYPAL to use.

Under the current conditions, I have to stand on the side of it is a great deal.

... and that's my 2 bits worth