paypal gripe

i am apparently ineligible for a paypal debit card because i have “insufficient transaction history”, despite the fact that i have been a paypal member for 3 years. when i have to purchase something, i have had to transfer money to my bank, because i have a debit/mastercard from the bank that allows me to make purchases as though they were credit card purchases, but the vendors that i make purchases from don’t accept paypal as a payment method. when i don’t have enough money in my bank account, i have to transfer money from my paypal account to make purchases, which takes two or three days. so i have made transfers from my paypal account, but apparently that isn’t “sufficient transaction history” for them. according to paypal, i have to make at least $20 (in two purchases of $10 each) from my paypal account before they can issue me a paypal debit card. unfortunately, because of the fact that the vendors that i purchase from don’t accept paypal as a payment option, i am apparently ineligible for a paypal debit card. the lady i just got done talking to said that all i have to do is make two $10 purchases from my paypal account to be eligible. this is after i have waited two months for a paypal debit card that i have applied for twice, and gotten zero response from paypal during that time that even came close to explaining why i was not eligible. if i were to go to a bank (like i did recently when i changed banks) they would not hesitate to give me a debit card regardless of what kind of transaction history i had, but with paypal, apparently you have to make purchases through paypal before you can be eligible for a paypal debit card, regardless of how long you have been a paypal member, and regardless of what your transaction history is. is that stupid or what?