Money Crippled

You know not having a credit card is making everything really difficult, even a prepaid debit card would do me a lot of good right now. There are certain purchases I want to make online and send homne so on and so fowarth. Also if I want to make really cheap international calls I will need to use a service like Skype and to do so I need to buy credit and to buy credit I need a credit card or paypal account. So I am starting up a paypal account, this should allow me to do most of the things I need to do. But even that bloody thing wants me to add a credit or debit card. In today's world (and I mean that literally), you are crippled without a credit or debit card. I could get one from my bank, but I would have to keep a balance of 80,000 RMB in my account and that is expensive even by American standards. I may also be able to deposit my tax refund right into my pay pal account if I use an online service, this will make things much easier. I can probably live off that refund for a while as far as my online purchases go. Still though in order to use the PP account effectivley I need to add a credit/debit card of some type. It's not like I don;t have a debit card, it just doesn't have a lot of the information that the sites need, like the 3 digit number on the back, or an experation date. I really need some ideas on how to solve this problem, It's really frustrating.