Ratings aren't accurate here so I don't rely on them, and to me they really aren't that important. I have done several transactions on here and after the transaction the other person doesn't rate me, and I in return don't rate him. Not a big deal. It is the same on ebay and RCU. If they rate me, I'll rate them.
I only deal in PayPal. and if someone wants cash, I don't do the transaction. The cash thing sends up a red flag for me. I have done over one hundred transactions with PayPal, and haven't had one problem.
Greg