I think that Paypal is a joke and should itself be investigated for offering fraudulant "Buyer Protection". I recently won a dispute but could not recover any funds as the seller cleaned out her account.
Buyer protection did not help me or the numerous other buyers that were also ripped off so, what is the benifit of such a policy or even paypal for that matter.
If paypal becomes the only acceptable form of payment option on E-Bay, anywhere, I will not be using that particular site, PERIOD!!