I have known PayPal F&F is not safe unless you really know the person, and even then you could be stuck in a -$1200 debate leaving you're $$ in limbo.
Fact on Friends and family can be charged back if the sender has used funds from PayPal balance or bank transfer, this is handled 100% by PP
If sender used a CC he can issue a complaint with PayPal and they might not side with sender, if the sender cries to his CC company they will decide in his favor and PP will deduct the $$$ from the receiver.
The second case just happened to me and sender though he got scammed by another company with similar name to mine. He's a good dude with mutual friends so I'm not tripping.
I'm sure he will make it right but just a fair warning to others.