Pretty outrageous statement there Chris.
If the account is in credit there is no charge to buyer or seller.
I never ask for friends and family, people just do it because they know they can trust me, they'll get their record, and if they don't, they'll get their money back. Thousands of transactions, you find me one person who didn't get their item from me. My customers are extremely important to me as they pay for the food I eat, they are fully covered - by me!