Please Delete! Thanks for the help Guys!!

as a buyer, which I was very recently, I send MY money through goods and services TO PAY FOR PROTECTION OF MY MONEY. if I send money and do not cover my own *** if the seller decides to rip me off , who's fault is it? it's mine , all mine. I don't care how much extra I have to pay. my payment is sent with the 3% included so he is not out any money. if the seller does NOT want me to buy his stuff that way , he was shady from the get go.