I don't want my bank to know that I am fiddling around with BTC. Not sure what their policy is, but don't want to take chances, and have them close my account. That is why I have lately been using the Paypal route. Then I can transfer from Paypal to my bank and all my bank sees is that I got money from Paypal.
I'm not sure what you mean but selling BTC for paypal-money is very risky. Anyone can complain within 30 days and get their money back + keep the coins. Paypal-policy says that they can just take the money from you and give it to someone else.