Suggestion for a sticky in the classifieds
 

Can someone please clearly outline how paying via paypal's "friends and family" option relinquishes any and all insurance on any payments being made? So many times i've seen people hop on here and complain about how "i sent so-and-so $200+ over friends and family and now they've disappeared" and quite frankly people need to be a little more educated when it comes to sending money over the internet.

Sorry if this is ill-received, but people, come on here lol

Ill-received or not, this needs to be posted. Friends and Family is DUMB, unless it is literally friends or family. The tiny fee is very cheap insurance.