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HowieEbay said "seller's family members, roommates, and employees"
This means.
Anybody sharing the same computer.
Anybody sharing the same address on file with Ebay.
What they're trying to get at is people who might be working from the same computer or network to list and bid on items. You list a card using your computer and then a buddy comes over to visit and places a real bid on your card using your computer. It may be on the up and up but it will immediately be seen by Ebay if they want to monitor for it. If your room mate bids on your card on another computer but shares your address then Ebay can easily monitor for that. They're slam dunk obvious violations that take zero effort for Ebay to investigate. Trying to prove that a buddy in Idaho is shilling a Minnesota guy's auctions is next to impossible.