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the cost of running an NICS background check is a legitimate question and one that should be addressed.
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Depending on your area, many Sheriff's departments will run the check for a nominal fee. Another option is to have the transfer done through a local gun shop, though that somewhat defeats the point.
In all my years in the shooting culture, I've only heard of two FTF sales going bad. In one case, the buyer had a prior for misdemeanor domestic violence but was unaware that was a disqualifying factor. The seller was briefly questioned, told the police he hadn't been made aware of that during the sale, and that was the end of it.
In the second place, the buyer used the gun to commit a felony, but since he'd appeared completely normal (and, up to that point had no criminal record), there were no consequences for the seller.
Honestly? Those are better odds than most FFL's, running NICS checks, have.