Very true, it's a risk to whoever is the one who has to put themselves out there. But when I am trying to do the normal come to where the item is and see it then pay and leave with it, and the other person wants to change the dynamics and ask me to instead bring it to them they are trying to shift all the risk onto me. Since they are the one who wants to rewrite the plan they should shoulder the risk. And for the record they never say no for that kind of person, it's always because they only have cash.