Them sending you money via Friends and Family puts them at risk, not you...
That's what I was thinking too.
Risk to seller here is recipient claims he didn't get item or it is not in represented condition...
and id suggest all sellers photograph packing stages and ship items tracked/ insured, if they truly care about the item or the money.
And quit asking for friends and family for payment of goods. Is 3% really of sufficient consequence to absorb the resulting risks?