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...