PayPal has no buyer protection if you use Friends & Family. That's the issue. Technically, even using it for purchasing products is against their terms of service as it bypasses the fees. Most of the time they let it go, but they won't support any claims if you get ripped off.
That is why I passed on the sale were the buyer wanted friends payment, I said add the PalPal Fee, they replied a few days later, another buyer jumped on item.