http://www.forabodiesonly.com/mopar/members/j061093409.1722/

[/quote]I would assume that calling a guy cheap would mean you have picked sides. How do you know he did not purchase insurance?[/qoute]

he is saying that since he chose to pay "friends and family" instead of for "goods or service" while using paypal. he opted to save 3% instead of taking the insurance that the 3% buys you.