Use Payment Owed
On PayPal, for what it's worth - instead of "Gift" use the "Payment Owed" option. Seller still gets the full amount and it's not a lie (you're making a payment and/or are owed payment for the goods you sold). Probably still not protected, but I feel a good level of trust honoring a request for (or asking for) "gift" or "payment owed" from the Net54 contingent.
I think PayPal is more focused on drawing from funds you have with them, the float (which is why the 3-4 business days to dump funds into your back account) and/or drawing directly from your bank account. They really only try to push back on you to not use the CC option (which is why you can never default to that). They don't make a lot on service fees - if it were that big of a deal to them, they wouldn't offer the many "personal" options they do and/or limit the number of those you can do.
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