The point is that to paypal, they are the same thing. And they expect you to use the Personal Tab when dealing with friends and family whether you are buying something from them or giving them money. More of my phone conversation was about the logic behind this. Free transactions get you used to using paypal and gets people to have accounts. Then when you see it on a store link, you are more comfortable using paypal. Then they collect their 2.9% plus 30 cents per transaction.