It wouldn't have to be a very high surcharge for instant gratification - only Ebay's commission on the "price" as Ebay understood it. The parties can exchange anything they want and the $5K BIN precludes anyone from buying it who's not in-the-know. Seems like a good way to move something using ebay (why bother?) to a particular buyer.
beandk at are-see-enn dot com