So you are saying that if a person (for whatever reason) pays for an item the "wrong way" they without a doubt no questions asked deserve to be screwed ??. About ten or so years ago i bought a Wii off ebay for my sisters kids and payed for it " the right way" and paypal did nothing for me as i never recieved the item nor one cent back.
Edit to add
I believe this was before ebay took over pay pal and im not so sure there were even two pay options back then. But either way they never helped me or got me my money back.