I went to Emory, the "Harvard of the South" actually. You need to re-read my posts, and I'll spell it out for you again. Someone sent me a payment for a listing on here, PayPal took 6% of his total amount sent. Irrefutable, I have the transaction record on my PayPal account. When I sell on eBay and get paid for the item via PayPal, they charge different fees, and the total amount is 11% of the final value fee.
So much for your "Ivy League" education and your "Wall Street" experience. Oh, you must have worked for Bear Stearns, or Lehman Brothers - the ones that are out of business.