My 2 cents:
2 years ago I bought a 3-month membership on some 3D stuff website, paid with paypal - no problems.
A year ago I tried to buy the same sort of membership - the payment was declined because of the reason mentioned in the OP.
I e-mailed paypal asking wtf. I was told that I should contact the owner of the site I was trying to get the membership rather than paypal because it was the owner/moderator w/e who decided on how transactions were accepted.
I e-mailed them and they confirmed what paypal consultant had said.
They (not paypal) changed the way you could pay for the membership. Only linked cards were allowed.
As someone above said - linked credit cards are necessary when you buy something which requires regular fees. If you run out of your paypal money, it will suck from your credit card.
But that's not paypal's choice - you as a web master decides which payments are accepted.
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