I dont like Paypal charges either, but I accept them because of the convenience it provides. I just dont think its cool to do that to the buyer.
Acill: what I did to avoid a issue like that was to create a seperate bank account strictly for Paypal money, as soon as someone buys something I transfer the cash to my paypal account...once its there, I move it into my personal account.. so my paypal bank account account only has maybe $1-$10 max in it, just enough to keep it open.

So if Paypal goes into my account to pull money out, there will be none.. so far I have not had *any* problems with scams or anything.