You have to connect your bank account. I use cashapp since 2016 its my primary bank. Never had an issue with "money" missing
You need an account of some sort to by on any non kyc btc because how you gonna pay that person the money. On robosats you pay the person through cashapp or stike.
You aint buying btc from no platform if you dont connect some sort of money bank to them
Getvon robosats and see who will take gift cards and do that on robosats