As for PayPal, well, your cc / bank also shares lots of data.
Paypal is not a bank. Paypal is an additional MitM. Using Paypal adds another surveillance capitalist to the chain along with your bank and credit network. But indeed, the banks and credit cards are shit so I am fighting the war on cash quite hard. I’ve already been dragged into court for insisting on paying a creditor in cash. I won that case and will continue insisting on cash payments.
If your threat modelling is that severe
My threat model simply includes mass surveillance. Which is in the threat model of everyone who understands and embraces privacy. It’s worth noting that it’s not purely and infosec stance. I also object to feeding a supplier who is acting against me. The moment I detect that a supplier is working against me, I walk on ethical grounds. They have failed to earn my business. The snooping just happens to be the manner in which they are working against me.
your best bet is Tor Craigslist,
I was doing that at one time but something pushed me off. I don’t recall what.. whether it was SMS verify or CAPTCHAs or phone numbers or fussy email address verifiers... something drove me off.