I would have just eaten the $21 PPGS fee and called it a day. Things happen. Sounds like that would have sealed the deal. FF can be tricky. What if you actually ship the card but it gets lost? Buyer has no way to get their money back unless the seller just eats the loss and refunds which is unlikely. GS provides buyer protection. Perhaps he would have eaten the $21 fee for the assurance. It likely had nothing to do with him trusting you as a seller. Just the FF risk overall.
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