Paypal is updating their terms as I recall where friends family is not available to any business account. I've only ever used it with true friends/family (ie- buying tickets for an event and being reimbursed by the person I'm going with, etc)- otherwise everything is business and I pay the fees. But I'm a business and it's simply a cost of doing business. I would never think of asking anyone (when I could) to use f/f as why would I? But I only sell business inventory (never anything from my personal collection) and run everything through my books as...well..you're supposed to do things that way, and I like sleeping at night. Others don't do it that way, and sleep just fine so different strokes for different folks.
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