It bears mentioning that you don't have any "protection" if you use virtually all other forms of online payment such as Venmo/CashApp/etc. either. Some sellers here want money orders or checks. Same thing.
With the new upcoming countrywide Federal regulations regarding payments, many people are moving to those other services (and yes, using F&F) because they don't want a tax bill for what's supposed to be a hobby. Full disclosure? I'm one of them. I'm not keeping spreadsheets of profits/losses so I can pay a portion of whatever I made to the Government just for selling a few knives, especially after they already taxed my paycheck, and then the initial sale of that knife. Sorry, not sorry, and frankly, I've had no issue selling knives. Feel free to look up my name in this section, no scamming or mistreatment of customers from me!