If you think that this place is only about dishing, perhaps it's because you haven't ventured into the other topics? There's a lot of discussion going on elsewhere, and people do spend some time dishing in the various off topic threads because it's been verbotten for so long...
It seemed to me that the questions were reasonable, and since you ARE rudi's point person for north america, you're the right person to ask, right? When you post pictures for comments, it seems reasonable to get comments...even negative ones.
Once you've hit the limit for personal accounts, you start paying the fee on all paypal transactions if you want to be able to receive credit card payments ever...
Of course it's against paypal's TOS, it encourages people to use something other than paypal. Who cares. If you don't want to buy something at the given price, offer them what you'll pay them.