It's only a big deal if you insist on the personal payment method. If you don't, it isn't.
Some people say that there's no paypal buyer protections for non-ebay purchases. That's not true. The buyer complaint process applies to non-ebay purchases. Except that "You may not file a dispute for a Personal Payment."
Even if you use a credit card to fund the purchase, the buyer isn't necessarily protected by credit card protections since they indicated that they weren't buying a "good or service". Sure they really did, but according to the official payment slip (in this case the online form) they indicated "this is not a physical good or a service" and therefore not technically protected by credit card chargeback either. How that works out in reality depends on the credit card company.
It's also lying, and frankly some people have a problem with that. And given that PayPal sales are reported to the IRS, it's a kind of tax lying. Or it uncomfortably feels that way.
John