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I always saw it as the seller giving the buyer an oppurtunity to save a few bucks using F&F as long as they feel they can trust them.  You know, $1000 F&F or +3% for goods and services, rather than just selling it for $1030 and always using goods and services.  I'm sure every seller on ebay or anywhere that takes paypal, adds that fee into their final price.  But I do agree when you're spending that much, what's a few extra beans to ensure you don't get bitten?