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Message:: [QUOTE="GDJMSP, post: 650284, member: 112"]You are 100% right on some points, maybe right on others too. But one thing is certain, there is no way to protect sellers from unscrupulous buyers, never was. And probably never will be. But if you want to avoid the insurance issue, that's easy. Just pay with your credit card. You have always been able to dispute any charge on your credit card. If an item is not delivered, you dispute it - charge is reversed. Of course the CC company will perform an investigation and the reversal may go either way depending on the outcome of that investigation. But you have this in your favor in that scenario - the CC company works for you, their customer - not the buyer. And a great many of the CC companies also have automatic insurance in any item you buy. ebay exist for one reason - buyers and sellers alike see it as way to either get a bargain or cut down on overhead. So there are supposedly plusses for both. But what both fail to acknowledge is that there is no free lunch. You want a bargain - then you take certain risks. You want to cut down on overhead - then you take certain risks. You don't want to take those risks on either side, then you sell only at coin shows or your shop and you buy only at shows or shops. You will of course have higher overhead and you will not find the bargains. You can't have it both ways folks - the world aint perfect.[/QUOTE]