There is a very well written out post about this situation in the forums - search will help.
If either account goes down, there is problem with the other e.g. eb ay or pa yp al.
From what I have seen with eb ay, you always need to link a verified pa yp al to sell. Now, while there are numerous reasons for using cc or gcs to pay the fees, one key note to understand is that if your money is in transition (e.g. waiting for feedback, waiting for feedback, etc.), eb ay counts as a withdrawal to pa yp al. So if your fees are big, a big withdrawal may spark a limitation. This is one key reason - others come from understanding the way these accounts work.
I have always had to link but I pay via cc.
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