Paypal accounts requires a phone and I don't even own a phone (Will do soon). Everything I order online is usually a pre-paid debit card. Plus, I don't think my parents like the idea of their 14 year old son having a paypal account to buy whatever they want.
If either of your parents has a paypal account, they can open up a Student Account underneath their account for you if you're under 18 and can't open a paypal account (effectively...you wouldn't be able to add a credit card or bank account, I think)
Your parents can then:
- add money to your account
- take money from your account
- moderate your spending
- get you an actual Student Card to buy stuff from places IRL too