Understandable. In my personal case however, it is easier to use direct debit/credit card since it's not from bank with my main account, hence can control the funds in case weird things happened. Personally only use PayPal as last resort if all direct payment options somehow got issues at the time, which on my case was when bought latest FF14 Dawntrail expansion for early access, which unfortunately forces me to temp-link my card to PayPal to conclude my purchase. Would assume the trouble back then might been from overcrowded process on their end, who knows...
Other than that, subs process fortunately still unhindered & can still use direct card payment. But yea, try PayPal just in case still gotten trouble. Also forgot to mention that I'm still using crysta for intermediary rather than direct pay for subs or additional services, but I do top up crysta using direct card payments.
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