As a guy who sells a lot of stuff on line I can assure you that 3% adds up pretty quick when your selling full time online.
Like Neu Racer I give people the option.
Since you know that "we" sellers have to pay this fee and shipping and don't forget the box,bag, packaging why don't you quit lowballing us so we don't have to ask for paypal as gift to try and keep our margins where they need to be.
As for getting protection with that 3% fee. Just keep on believing that. I would agree with you but then we would both be wrong. I've gotten screwed on both the buying and selling side of using paypal with their protection plan.