From what Paypal said, if you're a seller that 
sells tons of items all the time, yes, signing up 
business account is necessary.  If you sell items 
once in a while on EBay, then you will need to 
sign up the premium account which it will charge 
the fees too.  Within a few months, I think 
Paypal will charge all its services like what 
Billpoint did.  They did the FREE services for 
the past few months just to steal the customers 
from Billpoint.