No opinion to offer here. Just two points that may or may not contribute to the conversation.

Firstly, there are many people who are more afraid to give out their bank account details than their credit card details... there is no justification for that but it is just lack of knowledge about how these details can be used. I, personally, have them in checkout.

Secondly, there is no reason why a seller needs to accept bank transfers and/or give his/her bank account details. If Paypal was available as a payment method and the buyer didn't pay, then they are a NPB.

However, if the buyer was told they would get bank details in a message and then they didn't... I don't know 😞