This topic is painful to me--not because I’ve been taken by scammers due to Paypal’s F&F (I haven’t), but because so many otherwise ethical, "normal" sellers have taken to requiring payment that way.
Some of them are just interested in saving Paypal fees, but many are motivated by the ever-shifting, murky IRS plans to tax the proceeds of used equpment sales. It started percolating in the buy/sell community ~4 yrs ago that the IRS would do this, and years of hype & misinfo later (with the IRS still not taxing proceeds when I last checked), the damage has been done: many sellers think they’ll be audited if they accept "Goods & Services" payments for their for sale gear.
I’ve wasted too much time explaining to this or that seller that no, I would never pay them via F&F (we're complete strangers, after all); and no, the IRS won’t audit them if they accept G&S, which I sometimes offer to fully reimburse them for. I’ve walked away from a number of sales due to this single, idiotic factor.
So I’ve avoided scammers, but also failed to land gear purchases that a few years eearlier would have gone my way. It’s very annoying.

