Verified status. I forgot exactly what you gain by having it but I remember when I was going through this issue myself I decided it was worth it to manually change the payment method every time.
Another option is to call your bank and ask them to never allow Paypal to withdraw funds from your bank account and Paypal will try be declined and default to your secondary payment method ie. your credit card.
Chase charges like 30$ to do that but my friend had the fee waived for him. Also do that method at your own risk because I still have no idea how Paypal would react to this in the long term