I also don't have a credit card and was very disappointed when I found out they took away our paypal option. I don't make much and don't really want to spend more than I have to especially on credit card fees. Some banks in Canada do have the debit visa cards but I think to get them one has to have good credit and my bank does not offer those cards.
So I guess I will no be playing unless paypal returns as an option to pay for crysta.