Seller may want money paid before giving out his address for pickup. Otherwise he may get "visitors" before the bike is paid for. If thats how he wants to get paid then thats the condition you accept if you want to bid. Personally, i would pay with PayPal as the seller will have to pay Ebay fees anyway, and i dont think the Paypal fee is to much. Its a type of escrow account so seller should be happy and buyer has protection, as if the bike is not as described, he can dispute the transaction.