>>>Most of what you say seems wrong to me, at this point.

Well, it wouldn't be the first time

>>>(1) I note in my auctions that I accept PayPal payments that are not credit card funded, and I don't display credit card symbols. Nothing misleading.

Your listings are correct but not the norm. You don't list PayPal under payment methods but rather in your description. If you had listed PayPal as a payment method the credit card symbols would be displayed.

>>>If you read it, you'll note it says that for the BPP to apply :The PayPal Buyer Protection icon must be displayed

This I knew but I did not know it would not be displayed on a personal account. It also won't be displayed based on feedback and other factors.

It's very easy for me since I don't generally bid on auctions that don't accept PayPal and take credit cards payments. Thus, I am generally always covered by buyer (or credit card) protection and thus I NEVER buy insurance.

Disclosure: I have a PayPal Business account.