>>>to do business with anyone who isn't willing to eat paypal's fees?

Correct. If you don't accept PayPal, I generally won't bid.

>>>Some very good sellers do not accept paypal.

Some very good buyers won't bid unless you do.

>>>I am willing to spend a buck (for a MO) to get my chip sooner on the first transaction.

I'm not. The seller should ask for the buck in the auction to cover the fees and to ship the item by a decent method.

>>>After that a check usually works, but I guess you wouldn't send that either.

What's a check? Is that what they used in the old days before debit cards?