I think you're being a little naive .   If I want , I can protect myself by paying through an escrow account , which holds the money until I receive the item .   That proves my point ! Protect yourself or you'll get burned .   eBay also offers free insurance . You can get a refund of up to $ 200 if you're not satisfied with your purchase .   $ 200 ? If they get a hold of your credit card number , you're going to be out a lot more than $ 200 ! I had a friend who ... 