Funny. I don't have a creditcard and I don't want one. That is the only reason I sometimes, maybe once or twice a year I use PayPal.
I wish them good luck building a profile on 2 purchases. Also, I'm in the EU and I suspect this will not be legal here.
I also cannot believe somebody thought it would be a great idea to introduce even more tracking and ads. Don't they understand they are driving away customers?
Shoot for getting about 70% right. That is about where the rest of the world ends up too. And the world is still turning. No need to drive yourself nuts doing the impossible.