" Hm, I'm an adult too you know. I use paypal because I choose not to pay with credit. If I can't pay cash for something, I don't need it that badly. (And esentially, payment options such as PayPal are cash. It's drawn from my checking account.)" Get yourself a debit card then. If you have a checking account, you should have one anyway. You use it just like a credit card, the only difference is that the cash is taken directly from your checking account. But it's accepted anywhere and everywhere credit cards are.

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Tools :  3dsmax 2015, Daz Studio 4.6, PoserPro 2012, Blender v2.74

System: Pentium QuadCore i7, under Win 8, GeForce GTX 780 / 2GB GPU.