Yeah that's what I'm trying to say, there's zero reason to use F&F in any case unless you're actually sending cash from your bank to your kids out at college or something. Do G&S plus CC and you get some extra protection and the fees are the same.I think he was merely pointing out the fees are all the same (someone pays them) in all cases except bank account via F&F.
I don't think sending F&F via credit card and relying on bank charge back is best for the situation of trying to weed out scammers. Just send it G&S imho.