They don't absorb it. I was the victim of credit card fraud and someone set up another ebay account under my name, which then "bought" items from yet a second

They don't absorb it. I was the victim of credit card fraud and someone set up another ebay account under my name, which then "bought" items from yet a second fraudulent ebay seller as a way to collect the ill-gotten credit card funds. I disputed the fraud with my bank. eBay fucking PILED and PILED on the paperwork to my bank, both at the initial and every appeals step I used to attempt to win the dispute. Fought them tooth and nail over a few hundred bucks. I ended up losing because they had a legal department going ham to make sure I would lose the credit card dispute where they had lawyers working 40+ hours a week vs whatever time I have on the side to fight a few hudred bucks. If you file a dispute with ebay it is like filing a dispute against an army of lawyers, good luck.