yeah .. but what do you expect? If the guy has no money in his account ... they are not going to pay you.
If it didnt work like that than you could just send your friend money, get him to withdraw it and then get the money back from paypal.
The fees are a service charge, not insurance. And paypal will take action if the person has money in their account, plus i think they lock the account until the issue is resolved.
Also, i dont think there is a fee if you are sending money, you only get charged if you receive money.