I don't think it is just the FB thing for us, it is how all the policies announced are tied in together.
If you are a lower volume seller, the risk is higher. Such as:
You can always get someone who is scamming a bit or just had a carppy day and takes it out on you, the seller. So say your stars get dinged some, and eBay tells you that you are in the >5 percent now.
They tell you that you either have to take PP or a merchants account (and many small sellers cannot afford the charges, so in with PP), and you get bumped down further in the search and your funds are held by PP for up to 21 days ( and you do not get the interest on that held money either! BT is another thing).
You have to ship all the sold products out of your pocket until the buyers either leave positive or 21 days or 3 days after DC shows it is delivered.
FB is nw tied into everything else in a direct manner and I do not think it is good at all, at least not for us.