If PayPal's site detects a cookie in the buyer's browser from a previous PayPal account login, then they will assume the buyer either already has a PayPal account or is using a shared/public computer, so they will not offer the direct card-checkout option in that case.
Since you already have a PayPal account and have logged into it on your computer, when you take a test cart to checkout, you would not see the no-account direct card payment option offered. You can clear your browser cookies and try taking a test cart to checkout again, then you should see what the no-account direct card payment option looks like. :^)
