So we keep reading this kind of thing on Paypal. Are there any viable alternatives for consumers? As a company you could use Stripe or Paymill (for Europe), but

So we keep reading this kind of thing on Paypal. Are there any viable alternatives for consumers? As a company you could use Stripe or Paymill (for Europe), but as a consumer the only alternative is to pull out a credit card when I buy games on Steam. I don't want to do this, I want a login for a payment provider that is coupled to my bank account. I don't want to walk around with my credit card as it is too unsafe (something that Americans probably don't understand).