They set up a business. Have employees, equipment, take risks with fraud, manage millions of transactions per day. Additionally, they set up personal accounts, and they offer a way to move money FREE to family members or friends.

So, now you abuse the system and FRAUDULENTLY use the 'gift' option in your business allowing you to pay NO FEES and PayPal makes NO MONEY- and you complain about PayPal and they will LOSE your business? Think for just a minute- they were not making a dime from YOU because YOU were screwing them, right? I am sure they will miss your business..... Those EXTRA FEES that I now pay are to cover the costs of revenue NOT generated because of fraud (and many other thigs as well).

Just stating a different point of view- that's all.....