I did not have the option perhaps because I opened my paypal account in connection with a MC debit card that I purchased. Then, I called CS and asked them to please enable Friends and Family and they turned off buyer protection on their end. They did it and I am not able to do this but it is possible, at least in the US if you do not abuse the privilige and if you have paypal cashplus account or a bank account linked to paypal.
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To the "esteemed advisor".....we do in fact understand how to enter an email and press next. We, all 23 of us, are talking about the fact that there is no friends and family vs goods and services button offered on the second or third screen. A paypal customer service agent told me that this was due to the buyer protection option being enabled. Problem is, there is no way, at least that I have seen, to turn it off.
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