If you buy from someone with a rating of less than 10 on Ebay (I don't mean a negative rating, just that they only have eg 5 'feedbacks'!),and you paid via Paypal, but they didn't ever send the item, then they just disappeared from Ebay, would you lose out? Or would Paypal refund you?
Sorry, that seemed unecessarily garbled, I hope it makes sense!