Steven- I get it, and the world is full of bad people, but in your first example, don't you wait until viewing the product to release the funds on paypal? Monopoly though it may be, doesn't paypal offer you that protection? I appreciate your feedback, and your points about eBay are legit- which is why I am here!
I bought something three weeks ago using paypal; the item was not even close to as described so I did not release the funds to the seller on paypal. Seemed simple enough, and although I had to send it back, it cost me $5 instead of $500.
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