🎰 Steam now requires that Paypal has the funds for a game before purchase? :: Help and Tips

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My paypal has 0 dollars in it it always does. When I go to make a purchase through Steam using Paypal I get this message Your card will not be charged unless the transaction amount exceeds your balance. Back in May and any time before then I was able to purchase games on Steam with my Paypal balance at 0 and the funds were automatically drawn from the attached bank account without any delay. I never have. You will need to move funds from your bank account into your PayPal account and use your PayPal balance as the method of payment. Did Gaben lose millions of dollars from Russian scammers or something and force this stupidity?

So I try to buy a game today. I do not have a credit card. Why do I have to maintain a balance on Paypal now? I will not be able to buy any games during the summer sale now because it takes close to 6 days for my bank to do the manual slow ass bank transfer to a Paypal balance.

Why did this change? I see this in the help files PayPal does not offer transfers directly from your bank account without having a backup credit card tied to the account.