In all honesty you can still take Paypal WITHOUT fees - but it has to be a personal account and you are maxed out at being able to receive $500 a month plus you need to make sure you do not use the Paypal logo with credit cards.
As far as chargebacks and frozen accounts - unless you do not follow the seller protection plan, you should not have any problems unless someone does a credit card chargeback - same can be done with Bidpay.
I have a Bidpay account set up but to be honest have never had someone pay this way. They always pay by Paypal. I would rather pay the fees to "ebay / Paypal" than putting 3x's that in gas to drive to the bank or even having to wait for snail mail. Just depends on your preferences.
I can understand your frustration though - please don't think I am trying to change your mind - just giving you info.