If your personal ethics mean anything to you? F&F is for gifting! Anything else, it's stealing!
No there is no protection because it not intended for buying. As I stated it is for gifting, and gifts are non refundable.
It always boggles my mind how some cheapskates, (thieves), are willing to screw the safest method of making any purchase over such a minimal cost. PP is more secure online than using a credit card FOR BOTH PARTIES! OR PMO.
Please folks, don't abuse such a convenient and secure way of making purchases from strangers. It is less than 3%, that is less than 1/2 the cost most pay for the sales tax your saving. But the main thing is don't screw the people that are providing you the most security online making purchases, at such a minute cost. If you do, it makes you a liar and a thief.
Today so many confuse it's not ileagal, with what they would do in the presence of God, and ignore the fact that they ARE doing it, in the presence of God!