You said:

"I wasn't as clear as I wanted to be with the paypal/ebay examples. They do verify that the names submitted are indeed the proper ones with the authority to authorize transaactions on given accounts. They do not require my name to be visible in order to use the sites to their fullest."

That is where you are wrong. You can use paypal to purchase something with a credit card without signing up, you can receive funds to your paypal account without verifying and paypal will see more mail you a check for that. But, you can not use funds in your paypal account to send money to others unless you are verified. Don't believe me? Try it. Open an unverified paypal account and send money to it from your verified account, then try to send that money to someone else. It will not allow it, it will only allow you to receive a check mailed to you (which means you have to provide name, address, phone number and so on even though your not verified).

Next up, on E-Bay, if you are not a verified member you can bid and purchase, but you can not sell anything unless you place a bank card/checking account onto your e-bay account which in turn means they have to verify you before you get to sell.

Doesn't sound like your getting use of the full site options if your not verified.