Incorrect. I know PLENTY of people who's sole means of access to money is via Paypal. They set up a Paypal account to receive money via youtube, patreon, commissions etc. Paypal sends them a debit card, and they do all their business AS IF Paypal were a bank, even though it isn't. Not everyone has a 9-5 paycheck and direct deposit in a regular bank/credit union, especially if their credit is crap or they have over draft stuff from previous accounts etc. It's not smart BECAUSE Paypal is a private company that sets terms and conditions on their use, and they can and WILL freeze your account, and every penny you have is just -poof!- gone if you do something wrong. But people still do it either because they don't know any better or they don't have a choice.Nobody keeps all there money in Paypal.