When you are a seller, you want to attract the biggest population of potential buyers. Having restrictions on not using paypal, or making them use gift payments is only going to limit your audience. I just pass those ads by - I'm a legitimate buyer and I don't want to screw around with any of that nonsense. IMHO, if you want more money, then price it higher - don't try to make the buyer pay all the fees.
I can understand the gift payment issue - that's essentially skirting the rules if you're actually using it for a sale. For the rest, though, I don't understand why some would want costs and fees "hidden" within a higher price. Why not be honest and show all the costs? That seems more transparent and lets people decide for themselves.