So far I haven't had any issues here, or any other wet shaving forum/facebook with trust and I always pay F&F.
Never bought from a complete stranger on the forum though (minimum post count or something like that). I know I'm at risk, but if I'm willing to take it there's no one to blame if something goes wrong. I trust we are all gentlemen and this is not such a huge community and in case something DOES go wrong 2 people can agree to share the cost or work something else out.
Anyway, The fee isn't for nothing. It's for buyer protection. If you want it, as a service I think it's ok someone pays for it. Who should pay - I don't know what is fair. Maybe 50/50.
If you pay with online banking you would also pay for a bank charge, especially if you're buying international payments both the buyer and the seller have charge. Comparing the PayPal fee with that is miniature.
My main issue with PayPal is I have to use my card and it always takes me some other fees for using cards, whatever the name is. But I have no way of paying otherwise do I?! (I can only have a balance if I sell, but I mostly buy
)