Even with gift option you can still get your money back, as long as it is not been funded from your paypal balance. If you have a direct debit option to your bank then your bank can refund you and if you use a credit card your credit card company can refund you. So all is not lost.
However common sense is the thing here. If you are not sure then pay fees to cover yourself or do the deal face to face. Also sellers make sure you use a recorded service for high expense items (especially to people you don't know) so buyers don't scam you either.
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