I read your post with interest. I did state I have not sold on ebay in some time, so if there is an issue with how I listed my item, I definitely would want to be aware. I am confused though. This is not a paypal-only auction. I listed three payment options. The form to file my post lists insurance as optional not required as an option. If insurance was not optional, why does the form give you an option? I do understand that there is insurance if you pay by paypal, but if I package an item well and it gets stolen or lost by the post office, is that my fault as the seller where I should now be out both the items sent and the funds paid for those items? This is why I made clear the buyer takes his chance with a possibly valuable item not arriving if the insurance is not purchased. If it is, both the buyer and seller are protected and I honestly see nothing wrong with this. It puts the buyer on notice before they bid. With my ebay feedback at 100%, they can be assured I am going to do everything I am supposed to do to make sure the item arrives, but the insurance is available for worst case scenarios if a buyer wants to do so. If I am a seller and the buyer pays with paypal and no insurance when it was offered the way I did, I would certainly and vehemently oppose the buyer's request for money back if I did nothing wrong and the post office loses an item or it gets stolen. I cannot guarantee what happens when the item leaves my hand and I do not sell enough on ebay to self-insure or mark up my items enough over time to simply be a power seller and simply replace items or give money back as a cost of doing business like many can. As a small time seller, I think what I did is correct. If ebay was my business, I concede your point.

Steve