Do I have to accrue a minimum amount to be able to withdraw it?

You must have accrued a minimum of 10 USD to be able to make a withdrawal. 

The PayPal account doesn't have to be in your name. You can ask a trusted friend or family member if you can transfer your money to their account. You are also not required to withdraw your funds at the end of each month. You can keep your balance in your account as long as you want.