I would think most people using Paypal use a credit card, so Ebay has to have its policy inline with VISA & MasterCard. I don't think ebay has anything they can do if Mastercard card gets involved and refunds your money (they are much bigger then Ebay), if you don't have a bank account they can charge there is nothing they can do about a chargeback. Anything collectable and worth money, or things that are status symbols will be stuff people try to screw you out of. The economics are not worth trying to scam you out of $20 items.
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