Speaking for myself, I've had a Premier account for a long time. When it was offered I upgraded. Paypal was "free" in the beginning and it didn't make a difference regarding account type back then. My request for no credit cards had nothing to do with fees or account type. It was a matter of "choice" because of a nightmare over a charge back with a nasty person. Some people think they can "keep" your item and doing a charge back is a great way to get it for free. NOT! The avenues to resolve that problem were unpleasant, and tedious. Not something I want to do again! So, to expedite payments, I use Paypal and run the risk of the same thing happening another day because I have no "choice" but to accept credit cards. Yes, I also take money orders, but the key is time. I don't mind fees, I expect them. I mind NO CHOICE.