Originally Posted by ninjacookies
Actually yes, you're always fully protected against fraud if you don't pay via 'gifts' Paypal is a bank, they're full insured just like any other bank against chargebacks and loss. That's part of the money we pay with the ebay and paypal fees. Your statement couldn't be further from the truth.
Doesn't matter if a person uses a p.o. box, home address, located over in russia, using a fake alias, clears out their bank account, or leaves the country. Paypal always gets their money back. Whether it be through using creditors or them just getting their money from insurance. Sorry but what you said is completely incorrect. Don't go putting out false information trying to scare people. I've actually been in a scenario as you mentioned where a powerseller on ebay took about 50k worth of money from people on fraudulent presales of bowman chrome baseball cases. Everyone got their money back, so long as they were within the 45 day period.
Yes, you are correct but the key point in your post is that you purchased on eBay, not straight Paypal Goods and therefore does not apply to the type of transaction that these folks participated in.