I dont think its the amount of fees which is the problem, 3% is nothing but more and more sellers whether business or private are getting scammed through paypal. Example, i buy a £1000 skimmer off Joe Bloggs, i pay through paypal, Joe sends it, i receive it and say 'hey this thing doesnt work', send a parcel back full of stones from the garden, Joe opens parcel, nothing but stones, refuses to pay me back my money, i open a paypal dispute, i prove it was posted and Joe signed for it, paypal refund me, i have a £1000 skimmer for free and Joe has lost a £1000 skimmer. Nothing Joe can do about it.
That is why imo more and more people are asking to be paid FF especially on expensive items.