A scar is a scar.. A cracked skull and a giant stain of blood + medical bills is a different story.
A cracked skull is just a cracked skull; it's not indicative of damage to the brain tissue. While it's possible that you have sustained some minor damage to your cerebral tissue, what you need to do is stop using it as a crutch and excuse for things.
Jusey1,
As far as PayPal is concerned you do need a bank account for it. You don't need money in it. Go online and sign up for an account on PayPal. They will make two deposits into your account for a few cents each. It usually takes a few days. Check your account and write down the amounts deposited then login to your PayPal account. It should ask for the amounts of the deposits enter them in and click "OK" or "confirm" and that's it.
Most bank accounts require a starting deposit of like $100, though, which isn't too much.
Edit: What I did for Paypal, actually, was simply link the debit card attached to my bank account to the Paypal account. It's so much faster and easier.
