if you agree to buy something for $100 then you need to get $100 to the seller.
So you can understand, I have an S9 and I sold it to Countvalentine and guess what I have such a good reputation here on DDF and I managed to succumb CV to buy my heap of junk, it's slow and crashes randomly, and is jail broken, a total price of garbage, now I repair it enough that it should last for 4 months and then bam.
Or any example, my example is horrible but the concept is here.
Should the sale go south what's to go back at? Come with a rifle and blow the guys brains out?
Or if you spent an extra $10 for a $1000 Sale guess what your covered for x amount of time for your purchase.
Like using your CC vs paying cash, and should you have problems, should you want to return an item and the owner says no returns even though the receipt says clearly we except all unopened items within 7 days of purchase, so now what can you do if the store owner is being an ***!! where to turn to?
Oh I should have used my amex gold card and showed the guy who's boss, by filing a return protection claim or if in fact the item is defective , your money back from amex which will pull from the store.
So we can call it an insurance on the item or product your looking to buy, or a simple case where im buying a ticket for a Blue Jays game for tomorrow night and guess what you sell me some fake peice of paper and now what ? It's a new DDF member and never going to see that guy again, but if you used PayPal then they can be your middle guy and talk to them as they have the money or can access the money.
Same with using myi as the middle guy, now I'll charge you 2% for the deal for my time and patience and now when the other buyer says CV sold me a great product and received it intact, I can release the funds , and pocket the 2% for my time and work involved!