Ebay and paypal are both a law unto themselves. Who is going to take them on? What government cares enough, or know a problem exists? Do the banks care? Does the average Joe who can buy shit on his credit card care, actually no........ he loves the convenience! Its all about online shopping now, people are so streched that they dont have time to go out, or could be doing better things. Ebay/paypal deserve the market position they have, they fought hard and dirty to own their place. We can whine about it, but all we do is draw attention to the fact that they hold the cards here.