Hive account@practicalthought - I sell on eBay with PayPal constantly and there are 99% positives to the 1% negative you're highlighting. I've sold and shipped thousands & thousands of items/packages (usually 4-8 a day) and have had your scenario happen twice at most ever in 5 years. In those rare cases of a deliberate scammer, either eBay or PayPal made it right after I spoke with the proper people. The last time I had an issue over an eBay policy, I wrote to the CEO, who responded in 20 minutes, and was invited into their office for lunch with the global head of seller engagement who gave me all sorts of perks (after all types of other proactive calls from other staff). The head of seller engagement told me he used my email company-wide and also said they'd be making changes to what impacted me in the upcoming Q2/Q3. Doesn't sound so bad to me...

What you say happens, but it's rare and not something weighty enough in % of transactions to frame them as bad options as a whole.