I can't get package insurance as the recipient - only the sender can do that. And I wouldn't want to - the sender is the one picking the packaging, delivery pro

I can't get package insurance as the recipient - only the sender can do that. And I wouldn't want to - the sender is the one picking the packaging, delivery provider and all of that, so it is their responsibility to get insurance. If they don't, it is their responsibility to cover for a lost package out-of-pocket. And I'm not just using the term "responsibility" im a moral sense here - consumer protection laws in many places agree with this. The seller is an "informed market actor, taking on the risks of the transaction". The consumer is not an "equal market actor" and is therefore afforded protections from the risk.