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There must be some confusion. For one thing, Itch can only send you money through PayPal or Payoneer. Stripe is one of our payment processors. And then, PayPal doesn't require anything linked to your account, be it a card or bank account. You can still receive money just fine, and use them further. Just not withdraw them.

so lemme see if i got this right because i have a learning disorder. Someone buys your game on itch, the money goes into paypal, you can use that money online without a bank account linked, just not withdraw cash. Do i have that right?

(+1)

Yes.