Listen. You don't have to explain to me the pricing structure of selling a chip. I get it. I really do. If I were selling the same $1 chip, I'd have to include not only what you've cited, but airport parking, airplane tickets and cab fees as well. My point is (or was), all of that is incorporated into the overhead of the chip you are selling. Which, as you've shared with us, isn't worth it. To me, saying 'use Paypal, but you pay the fees' makes about as much sense as saying 'the chip is only $2, but you pay for my gas, parking and bubble mailer'. But it doesn't really matter now, because I've since learned how to use Paypal's convenient, easy, online money-transfer service without paying for it.