> everything is protected and you can always get a refund.
Hardly. No guarantee that anything is authentic or not stolen. No refunds outside the return window. And you need to know how to use ebay to force your refund. If your return package fails, you'd need to go through all of the USPS insurance hoops. And the protection ebay offers is the same protection most credit card companies offer which is also similar to what paypal offers... so this idea that "ebay provides safety" is a delusion.
> you either have to accept the risk, or get some kind of insurance.
That's not the point. The point is, ebay doesn't give a shit, and there is no "some kind of insurance".
Hardly. No guarantee that anything is authentic or not stolen. No refunds outside the return window. And you need to know how to use ebay to force your refund. If your return package fails, you'd need to go through all of the USPS insurance hoops. And the protection ebay offers is the same protection most credit card companies offer which is also similar to what paypal offers... so this idea that "ebay provides safety" is a delusion.
> you either have to accept the risk, or get some kind of insurance.
That's not the point. The point is, ebay doesn't give a shit, and there is no "some kind of insurance".
> auction places always attract scams
As do all monetary transactions.