Or trust, depending on how you look at it.
Say I just devised a somewhat good – at least in my opinion – t-shirt design and wanted to put it up for you all to buy. Would you prefer going through CafePress, or would you prefer going through me?
On the one hand, CP (or some similar company) provides you the security of a corporate guarantee, the ability to not use PayPal, and the anonymity of not having to give me your address.
On the other hand, I can guarantee you the t-shirts would be at least $5 less through me, my shipping may end up being a bit cheaper depending how many I can shove in flat-rate boxes, and you will end up with better-quality shirts (in my opinion).
So what do you prefer? I dare say my handling of the Soldiers’ Angels fundraiser demonstrated my trustworthiness, but I would not blame anyone uncomfortable with the notion of mailing off money to a stranger – that is part of the reason I kept myself out of the money loop in that event.