I assume you can't use Crypto instead of the bank account link, you probably require both. Otherwise this might have some use as another blast radius reducer for Paypal's antics.

I switched to a hardly used checking account for paypal after they held $20 hostage for a couple months after selling an old video card on ebay. I'd heard some one say their bank account had become frozen by paypal during a dispute and that event reminded me of it enough to get some separation.