Long ago I bought an item from someone on the previous forum, paid G&S, but could have paid F&F. The item never arrived and all communication was lost. It was a USPS issue, but I never heard from the seller ever again. I can only assume either the person passed away, they moved out of the country or left the hobby entirely and never looked back. To this day I still don't know what happened and I don't recall the username. Had I paid F&F, I would have been out the $, though not "a lot" it is still, $. Since I paid G&S, I got my money back and well, all I can hope for is the seller is ok. The point is, stuff happens and paying G&S is a way to avoid any potential headaches. I have had people try to push F&F here and I refuse, unless the situation calls for it (paying someone back). Less issues for all parties involved.