I am not surprised. You have obviously never stood in Ethiopia or wherever and have gotten a call from your bank: " This is the fraud department, unfortunately we have to block your card but we send you a new one".
Trick question: How many CC do you carry at a given time?
Hint: based from experience it should be at LEAST 3.
If the bank is bad it’s one thing but then the solution is to choose a better bank, not hack around the problem with a (shady) middleman like PayPal.
When I was abroad one guy was enjoying a decent McDonalds meal in the states with a cloned card.