That is 100% correct, sorry mate but is just how it is, when I made my paypal account I got a seperate bank account just for paypal, that way if anything happened wont effect rest of my accounts or my main account.
Verifying is easy though. You can do it for a bank account like my friend did. They put like 2 or 4 cents in your account, and you have to specify the amount they put in your account to verify.
I think you can use a prepaid credit card for Paypal which you can buy from a grocery store or wal-mart, but I heard some places like GoDaddy and 1and1 won't accept payments from Prepaid credit cards unless you contact their customer support and see if they agree to let you purchase from them.
I did it four years a go when I needed to pay for web hosting which I bought from a friend before I had a real Credit Card.