I've been reading up on this paypal thing, it reminds me of what I wrote on the electronic etch-a-sketch in the Security office at MFF...

To paraphrase (since I don't quite remember)...
"Common sense, why you so tasty? There's none of you left..."

All of my transactions have, at most, "For agreed upon commission" and I think that's more than good enough. If you're going to do a transaction, do all negotiations through e-mail / notes or whatever, just not in a payment, that's silly and dumb.

Use common sense, that's the only way to fight the dumb. And if you don't use common sense, then you're part of the problem, not the solution. Be part of the solution for Humanity's sake...