Is it really adding another payment method? I thought it was me > p2 seller > me. Not me > p2 seller > Binance > me. Meaning the seller is the one who is sending the money from their account to the account I give them. It's not Binance that's sending me the money from their account.
The thing is you're still using Binance for doing the transaction, they can monitor your accounts and if they caught you're not following their TOS you'll be in trouble. If you want to use someone bank account to buy/sell Bitcoin better stick with DEX (e.g. Bisq) or trade in this forum (indeed you need to extra careful not trading with scammer).