Paying With PayPal And Asking For No Fee's

I use the regular 3% route. As a seller I set my price and eat the 3% but as a buyer I think it's tacky for the seller to demand I pay it, even though I still do. Clearly states the seller pays 3% to use PayPal's service. If it's too much to lose selling whatever, why is it my responsibility as the buyer? I live with it but think if younadd 5% to your price you'll cover your fees and get a few extra dollars. I'll take Insurance any day over blind faith.