It absolutely disgusts me when buyers or sellers ask or demand using friends and family to purchase goods or services, thinking they are "saving money". This isn't shopping for the best price on a flat screen TV. This is downright theft. Paypal provides a service and I am happy to pay them for that service. How would you like it if you went to work and your boss said, "we found a guy that is willing to do your job for free, so, in order to save money, we're not going to pay you anymore"? No matter what form of payment is used in any transaction, there will always be scammers that have figured out a new angle. Yes, even cash. Counterfeit cash or robbing at gunpoint. With all that said, on a high dollar pick up in person deal, cash is still king.

While we're on the subject of fees, here's something many people may not consider. Retailers base their prices on the asumption that a credit or debit card will be used for the transaction. Yes, that's right. When you buy a 6 pack of beer, you are paying the 3% fee, even if you pay with cash. In the business world, ALL expenses are calculated into the price to arrive at the necessary profit margin.