I guess I have been lucky then. I’m a seller as well, (Japerlm-46). Definitely on the smaller side but I have close to 800 stars, have done thousands of transactions over the past 5 years or so since I got back into the hobby. I have never had a significantly negative experience as a buyer or a seller. Never gotten ripped off, (or ripped anyone off). Admittedly I haven’t made any 5-figure transactions but plenty of four figure ones.
Your point is taken on the authentication program. I think it would be nice as a buyer to have the option to waive this but as you said the program is designed to protect both parties.
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