I sell items on here and in my opinion I think seller should pay those fees because it's a business transaction it's sellers responsibility to insure the buyer gets what he or she paid for and be confident in the transaction. I always ask for gift because it's nice not to pay fees lol but won't argue about the buyer wanting insurance. It's hard to trust people when there's a lot of scamming happening and harder for the honest sellers to gain the trust of buyers. Always be careful everyonewell it seem like the only option to us buyer is to either gift em or pay that extra seller's 3% fees