yes kinda, it's complicated (as in depends on country and in some countries is still can involve a 3rd party "middleman" even through you do auth with your bank

yes kinda, it's complicated (as in depends on country and in some countries is still can involve a 3rd party "middleman" even through you do auth with your bank and don't need an account with the middle man) through what matters is that in the end you can pay on most EU sites without having either paypal or a credit card so that use case really doesn't need paypal and for the p2p money sending you need it even less and if you buy stuff from outside of the EU you most times can pay with both paypal or credit card, so if you have a credit card you don't need paypal for that either