I'm just gonna throw this out there. I don't disagree with anything anybody's said about paypal friends & family, except the sentiment that you get some kind of "protection" by paying normally. Paypal doesn't care about you. Has anybody read their documentation on how you're protected? No? Because no such thing exists, far as I can tell.
I spent $750 on an ebay purchase (gas generator), through paypal goods & services. The item was never shipped, the seller admitted outright that he ripped me off, thanks for the money. Paypal wouldn't refund my money. Ebay wouldn't refund my money. The seller on ebay quickly racked up half a dozen negative feedback, all saying they either shipped nothing, or sent a Hallmark card thanking the buyer for their money. Still, neither would accept that I had been ripped off. BOTH SERVICES banned the user, but neither would intervene to refund my money.
Some protection, eh? To recap: The scammer ADMITTED IN WRITING to ripping me off, was subsequently BANNED from BOTH services that claim "buyer protection" and neither would reimburse a penny. That's how protected you are. Friends & family or goods & services make absolutely zero difference for "protection."
You want to be protected? Don't buy things from shady people you know nothing about. If a deal sounds too good to be true, Paypal will save you!
If you really want protection while using paypal (or any other e-payment mumbo jumbo) do not link your bank account to your paypal account. Make the payment via your regular debit/credit card, but allow paypal to process the payment. If something goes sideways, your bank/credit card almost certainly has protections in place for their account holders, and will happily refund what you were ripped off.