Why pay 3 Paypal fees?

I am a premier paypal member and I have made several purchases of upwards of 3,000.00 with no fees using instant bank transfer. My sellers have never made any comments to me that fees were charged to them when I used instant bank transfer. I must admit I have never recieved a payment using instant bank trasfer, althought I have recieved echecks with no problems.

However, I just made a larger purchase and the no fee instant transfer option wasn't allowed. I only had the echeck option or the credit card option with a fee. This purchase was from another premier member, and since I didn't have the patience to wait 4 days I paid the fee.

The note on the payment options stated: All decisions for payment options are reviewed and only the options that paypal deems "safe" to both the buyer and seller will be allowed. (Apearantly my credit card is safer than my bank account)It also stated that there is no option to appeal their decision.

As for the different accounts:

- Personal accounts:
Plus: fee free receiving of money
Minus: receiving limit of $500, no other payments acceptable
cannot be used to pay someelse with credit card

- Premier Accounts:
Plus: receiving and paying with credit card possible
Minus: always a fee, even on direct transfers

Thus if you like to implement this as a seller, one needs two accounts. The personal one for free transactions below $500, the other one for everything else. Also, both paypal account must be linked to separate bankaccounts as paypal does not allow to link both to the same account. It is implementable but at a great hassle for the seller.

The direct withdrawal thing requires that you have a "personal" account. This means that both you as buyer and those who buy from you must use direct withdrawal or some other form of non-credit card payment. It's a great thing, but I finally abandoned it in favor of an upgraded account for some reason that seemed very good at the time. Now when someone sends me money, PayPal takes its cut.