You're not talking to eBay here but to other members like yourself, but it doesn't take away that many face the same issue when buying and selling any bladed item.
Proof that you are over 18 is required, and the only proof eBay accept is a credit card, because those credit card companies have already done their stringent tests on peeps applying for those cards.
Yes, you can be a member of 20 years plus , but this doesn't prevent someone in your household using your account who is under 18, hence a credit card will be asked for at point of sale, or point of purchase.
@aruju