[Leon]

Here is my take on it. IF the buyer and seller didn't talk about insurance at all then it is on the seller to get the package to the buyer, period. Just as it is on the Buyer to get the money to the seller. It doesn't matter if it's WWIII, the seller has the obligation to get the buyer his card. Now, if the buyer was offered insurance and turned it down then that is another story. I voted no on the refund but am not sure I didn't get it twisted around? So, I actually do think the seller should give a refund if the buyer never got the goods, regardless of who's fault it is, UNLESS the buyer turned down insurance. If nothing was said, each party should be obligated to the other party for their part of the deal.