It's important for the buyers to know that if the money is paid via PayPal as a gift, NO protection exists.
You can't file any claims if a package is lost, or not what you ordered, or thought you were getting as you've stated you're NOT buying goods or services.
As for the PP fee to a seller - that's a cost of doing business. If a seller ever asks you to pay the fee so he doesn't have to, find another seller.