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Dave FI agree Joanne most the time we probably do fall along the same lines of thinking..but on this one we'll have to agree to disagree. I just really feel if the seller won't ship a card insured (or at least pick it up on his own tab if he chooses not to insure) than the seller should be obligated to mention before the transaction is paid sometthing about "hey, do you want this insured because that wasn't in my for sale price?" that would at least be common courtesey rather than just saying i'll take $300 for card x, and leaving it up to a buyer to have to then ask the question "hey is this going to be insured?"
maybe its just in the people you get used to dealing with on here..but I can say I've never asked TBob or Leon or Mark Turner or anyone else what was included in the price I was paying for something...maybe I am the one in the dark here...