you shouldent use your real number with paypal?I don't know why you had to close your verified, but I don't see why you should not have a verified account. All you need is a phone number, which you can buy really cheap by getting either a secondhand or a low-quality disposable phone. I have one for whenever I need to use a phone number for verification but don't want to be spammed or risk my actual number.
How long is the wait? and also I cant buy things online? like fifa coins?This might not be what you asked, but it is what I think you asked. Here is what you get for linking things. (Or at least what I had to do for my account, and what each of them did.)
Phone number - Verified account
Debit Card/Bank account - Does not have to wait for money, can send payments outside of F&F
SSN - Everything
It probably isn't the same for some people, but this is exactly what each got me, so hopefully it helps.