Read the tragic tale of this screwed eBay seller over on Metafilter. He did everything Paypal told him to do to avoid being scammed when he sold a cellphone, including, when the buyer returned the item, opening it in front of a police officer. Problem was, the buyer/scammer sent back a smashed gold cellphone instead of nice $500+ cellphone that was sold. Seller protection policy should apply, right? Nope, it doesn’t cover “items not as described.” Failure.