How much money can I send through Paypal without a confirmed bank account?

#1
I have a good 20 bucks on my Paypal account but don't have a confirmed bank account. I just bought something on Ebay that totals to $6.00, so I figured that since that's pretty cheap it would be low enough to pay through my unconfirmed account. Apparently not though, and it won't let me pay even that low of a transaction unless I confirm my bank account.

Wtf? -_-
#2
Yeah, I don't remember being able to send anything until I confirmed it.
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