This is like a law school Contracts I exam from First Year!
Larry (Buyer) is due a full refund of $225 + shipping from Brian (Seller).
Buyer never received card that he fully paid for and he should not bear any loss. Absent any language to the contrary, it is the Seller's responsibility to ensure mailing AND delivery of the card and if card is mailed but not delivered then Seller (Responsible Party) needs to refund the purchase amount.
As stated in an earlier post, 'parties can write their own contract.' You can always request/negotiate insurance be purchased on a card and incorporate that into the final price.
I don't understand why there is even a discussion of G/S v F/F via PayPal...to me both are irrelevant in this instance.
All that said Buyer does need to realize Seller did just have major surgery and have just a little more patience regardless of how many posts Seller has made in recent weeks.
It is still the Christmas season right?
Tony
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