Not really busting your balls over it Pete, but you made it sound like "they" don't charge you fees - it would be funny if you charged yourself.

There is a value to a third-party handling auctions, for a number of obvious reasons, shilling being the most prominent.. Many find a degree of comfort in ebay & Paypals' "Big Brother" style coverage.
Who in their right mind would participate in an auction, where the auctioneer and the seller are one and the same?!
On the passwords issue - I looked at that software, it runs against a MySql database, you most certainly could pop it open.
As far as ebay charging $14 to list an item - realistically you have to take photos, draft some text, upload all, so your work is the same as posting to ebay. You had to purchase the software and pay for hosting. And you don't get the millions of participants. So if your item sells for $14 less because one fervent collector didn't join in, how you are ahead? How you sell isn't my concern or even business- but you did invite
all. Caveat emptor applies - the person who PM'd me was agitated and wondered about the large number of auctions that seemed to be won by one buyer....
Again, many find a degree of comfort in ebay & Paypals' "Big Brother" style coverage. It's like McDonalds - not great eating, but you pretty much know what you are getting.
Per your request via private email, I will remove all references to your site, to help protect your privacy.