I don't want to get into a long discussion about here but I don't want people to have false security when dealing w/ PayPal or via eBay. PayPal offers nearly know protection whatsoever. In many cases you can lose money when someone pays you via a credit card (other than American Express) when paying through PayPal. Search PayPal problems on Google and you find plenty of horror stories about PayPal. As far as eBay goes there problems are world known. Scammers, liars, etc. are all over eBay. You are right... buyer beware. Based on my experience running Roadfly as well as my own personal experiences on eBay I would say that rougly 10% of all eBay transactions involve some sort of fraud or misrepresentation. Just my two cents. I do get a little tired of hearing about all the problems people have dealing w/ PayPal and eBay.