Well, finally someone else that realizes that the BUYER PROTECTION thing is a lot of HOOEY big time.. A Seller shipped me a cracked sink, I shipped back, she collected fraudulent money from DHL, told me where to go and laughed at me, left me negative feedback, called me a whacko.. blah, blah, blah.. Paypal said my claim was VALID, I had to fax them proof of returning the item, TWICE, numerous emails, and phone calls, and THEN after 3 months they said.."PLEASE CONTACT THE SELLER AGAIN AND ASK FOR A REFUND". I blew.. Buyer Protection my BUTT! Filed a complaint with Ebay against their company,PAYPAL. That was a funny one! I got my money..BUT you're right, Paypal DOES NOT PUT THEIR MONEY ON THE LINE. IF PEOPLE THINK BUYER PROTECTION IS INSURANCE, forget that thought.. Paypal will pay you if they can collect from the other party involved in the dispute..otherwise NOT!