The only reason eBay gets away with charging those fees to the general individual is because most people are too stupid to realize that they're giving eBay and PayPal an 18% cut - until:

A. They see how much PayPal cut from their profit when they transfer funds
B. They get the bill for the final value fee. This one is a beaut, because it's monthly billing cycle allows people to forget it exists.

Case in point:
I went to see a package of camera equipment - locally - that the seller had previously listed on eBay for $900 with free shipping. He failed to get a bid. The 18% fees would have knocked his net profit from $900 (net, if he were to sell off eBay) to $738, and $15 for a large Priority box would cut his net down to $723.

Would it surprise you if I said he had no interest in budging one penny under $900 once we got to negotiations? The discussion went something like this:

"What's your rock bottom price?"
"$900."
"So you'd be willing to take a net profit of $725 if I had bid on this thing on eBay, but you refuse to take the same $725 in cash if I buy it from your driveway?"
"Best I can do is $900."
"Thank you for your time. Goodbye."

Takes all kinds. Thanks to him, I've found a better deal

-Kurt