Pretty much with ebay and paypal....the buyer is in the drivers seat. I once noticed my paypal account had been debited 100+ for an item I had sold a few weeks ago. What it was, someone was using a stolen checking account to make purchases. I figured I was out of the money and some fool was riding around town in a Armani suit!

I called paypal though and they did credit me the money back, so I would assume they lose out in a situation such as that.

I agree though, someone should step up and challenge paypal.