F and F is just that for friends and family. It offers no protection for the seller at all. They don't tell you if the client is verified BECAUSE its a friend or family.Customer has no rights w/ f&f payment, it's like giving someone cash so they can't file a case with paypal and say the item is missing, damaged or not-as-described... but if they use a credit card that's charged back I assume seller would lose that money with no recourse, is that what you're saying?
One has to be careful and know the rules for PayPal and Ebay etc. since they are very specific and you can get burned bad if you are ignorant of them.