Your options:
a) do not accept payments from people without PayPal accounts if you're going to use the IPN module
or
b) lobby PayPal to change their methods so that they no longer encourage folks to create PayPal accounts (but, since it's in PayPal's best interest to get new accounts, this will likely not be an option)
or
c) don't use the IPN module ... use Express Checkout instead
or
d) use a regular credit card merchant account instead of PayPal




