when we signed up for PayPal we agreed to pay them a fee for their service. Going to F&F cheats PayPal out of what you legally owe them for using their service. In other words, using F&F is dishonest.
Many have all sorts of rationalizations why it is OK to do this, but the bottom line is it is stealing from PayPal. There are other ways to pay for things than cheating PayPal.
If someone is comfortable being a dishonest thief and has no problem cheating PayPal, I have no desire to do business with them.