[Jach]

Yeah, PayPal does a lot of crap... But I was buying some stuff on a different-than-usual computer and place just a few weeks ago, and it made me provide my bank account number as verification before it would let me send the payment. (Had to sign into my bank account to find a scan of an old check to read it off of..) In a similar vein, Amazon requires reentering your credit card every time you send to a new shipping address.

[streptomycin]

Why do you call that crap? A normal bank would do something similar. Try traveling to another country and using your ATM card, it likely won't work unless you call your bank ahead of time and tell them of your travel plans.