The thing about selling a pin is that you need a buyer, it's not just about what the seller wants. I want protection as the buyer too.
For me that's using a cc or paypal. If I am purchasing site unseen like an auction or something. I would never gift my $, I would rather pay the 3% if that was an issue using paypal. I'm fine as the seller too.
Fortunately, I have confidence in paypal because I have never had any issues. You hear about the occasional horror story. There is a reason stores and banks use $$ pens to determine if bills are real. Unless you are using one, you could have a buyer passing em to you. I'm sure it's happened to people selling items cash and never see that person again. Shit happens.