Oh, and just to add re. Paypal:

The other day I received a gift prepaid credit card, so I thought, heck, I'll join paypal and use that card to load up my account so I don't have to give them access to my real account.

No dice. Whatever you do paypal needs your bank account and your shoe size. This was the reason I quit after being signed up for a week or so in 2010 and then again a couple of weeks ago (this time my account lived for about 2 hours).

I hereby officially confirm that I will never use paypal. If a donation depends on it then I'm sorry.