For some reason when folks go to use PayPal (standard), they now have the choice to login to PayPal or create an account but the guest checkout option is missing. And the people do not want a PayPal account.
There's no setting on our end to have an optional account or not although I did find this post which outlines a similar problem which may help https://www.ecommercetemplates.com/support/topic.asp?TOPIC_ID=106529