Well, as mentioned. Use your normal bank account.

To the best of my knowledgeable, there no ‘pan-European payment system which would replace credit/debit cards’.

For online payments, you can use SEPA Instant Payments or somple bank account transfers. There’s also Gyropay, but only for Germany.

If you want to pay for your out-of-pocket vegetables and other small expenses IRL, cash is your only other option.

You can do all of that with a normal bank account in Europe.

Vendors will accept debit cards and there’s a thing called SEPA Instant Payments.

You do not need ‘a PayPal’.

Thrat being said, I keep my ‘main bank account’ separate from my ‘spending bank account’ for which I use Revolut.