Hey Matheson,
You can request their ATM card. Its a Mastercard and you can transfer money into your account from your bank, and Voila, instant card. But with PayPal online purchases, you dont need a card as PayPal will run the payment for you.
Also, Walmart can place funds into your PayPal account instantly. Just get a varification number from PayPal to give to wallyworld, and they will place the money into the account directly.
There are also E-checks. Those take like 3 days though.
I remember years ago, I had no credit cards.. When I finally had one, the first thing I did was buy some payware planes for my sim, lol... The Cessna 421 Golden Eagle was one of them.
Bill