No offense taking. I am ok with being disagreed with in a discussion and not getting upset. I think that is what sets us apart from the savages lol.
I have never seen (I maybe wrong)(lack of knowledge is not a defense I know) where it says you can't use the friends and family. It just doesn't cover you. So the imo the 3% your paying is just insurance if I and the person I'm sending or receiving money from chooses to wave that insurance to save the 3% than that is on us. I still disagree that it's stealing. Unless it is specifically wrote up and worded that the friends and family option is not to be used for receiving goods even if it is indeed family and or friends. I have never seen that but then again iv never looked.