If your that hot on paypal you can get a paypal debit card, but often that does not work. Seriously why use them unless you have to ? As an ebay seller I hate them (and their charges that I'm sure the retailer does not appreciate).
Also remember that paypal is not a UK company and not registered in any way, they do have to abide by the laws of this country but we all know how much freedom that allows big companies. Should you have any issues with paypal and their policies NO ONE can help you, consumer direct will tell you where to go. And i'm willing to wager that like their owners ebay they probably aren't hot on paying tax in this country either.