I turned to Paypal in an emergency. Didn't have enough money in the app. Couldn't figure out how to transfer from bank account that was already linked. Then it wants a picture of drivers license. Figured that wouldn't take too long. THEN it wants photo of my SS card which I don't carry with me. Finally I had the requester lower the amount so I could pay what's in PayPal to him. When I go to send it asks if I want to take money from my bank account. That's what I spent an hour trying to do. Point