The other factor is privacy.
I know if I were giving out my bank details to just anyone, I'd dedicate an account for that purpose and by default keep it empty.
That's the other key advantage to the non-banking services like Venmo, they know your details but shield them from all those unknown quantities you're transacting with remotely.
Bought my last vehicle using PayPal money
, in fact have $20K line of credit with them now, six month no interest.
And they've never queried my credit rating, just based off my history
with them and eBay.