I've been a ebay and paypal member for about 10 years and I feel your pain. The fees are killing me and I just had a buyer file a paypal claim on me after he received a statue from me that he said arrived broken. Of course he refused to purchase insurance so paypal sided with him. So I learned a lesson. I must include insurance whether he wants it or not. But the biggest lesson I learned was when the broken statue was returned to and my funds were refunded to him, the statue he returned wasn't the statue I sent him.
Different number, different paint flaws and different styrofoam chips and indentations from my auction picture. Now I'm back to square one trying to get the money or my statue back. I understand that ebay and paypal look out for the buyers, but some of us buyers are sellers too. A buyer can be scammer just like any seller can!