Went to send funds to btr and Paypal gives me "I'm paying for goods/services" or "I'm sending money to family/friends". If you choose the latter and use your account funds or bank transfer you pay no fees. Feels a lot more honest than choosing "gift" all the time on low-amount safe transactions with trusted individuals. I think Paypal got tired of it too. I don't have time to delve into what the coverage is for the two options, but I doubt you'd have any sort of buyer protection for family/friend payments.