As a prospective XMR buyer, I’m wondering about the various markups in the quoted prices here. For example, the price of XMR is currently about $373 USD (according to coindesk), and the localmonero vendors who accept Zelle are quoting $430 to $500. Are these typical markups, or should I wait for more reasonable quotes? Why would I want to choose a seller who is charging more?
Also, is it reasonable for the sellers to ask for my ID and bank info if I am using Zelle (for, for that matter, any other banking-based method)?