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As far as I'm concerned, you are stealing from Paypal if you make a gift payment (friends and family) and it is not actually a gift. Paypal makes their money and pays their employees by those fees, so such actions are not victimless.
Also, you put yourself at risk if you do so and something goes wrong with the transaction, because such transfers are not subject to Paypal Buyer Protection (You cannot open a case in Paypal against the other party if, for instance, they do not send you anything).
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