Ebay are doing it on purpose to rid itself of the small guy. Personally, I look for ways to not use paypal at all if possible. Perhaps look into taking money via Bitcoin?

The good is that when laying down a lot of money via paypal for a pin that takes years to build, you will have the chance to reclaim it at the moment you wish and not to have to ask for your money back.

Also, never sell any digital item (Bitcoin for example) as they simply say their account was taken over by a third party and paypal will side with them. (happened to me)

In the UK Paypal take 3.4% + 20p per transaction, and 5% + 5p per transaction for micropayments.

Now, if I must take Paypal for an ebay payment, I request the buyer pays the fees or pay by bank transfer. Sure, ebay don't like that, but I won't be shafted by them any longer.