I thought they just made new ones as they see fit to suit them. That was a really interesting post about the lady that bought a computer and it was stolen and ebay and paypal seemed hand in hand to cover it up.
So far what I have both experienced myself and read on and about Paypal leads me to believe they really only have one policy. Protect themselves and take anyone and everyones money while giving the least amount of service possible while doing it.
I have to admit I once thought that Paypal actually did something. Yes I was once a Paypal fan and used it on all of my listings-ok so I admit I was like so many others on Ebay but it doesn't sink in until something happens to you like the one with the stolen computer problem.
I wish there was something that would protect both buyers and sellers equally. Maybe then some of the fraud would disappear from ebay.
I think that is what we are hoping for here.
Check out the Paypal Sucks dot com site too. Lots of good info there!