Strongly agree with your points. eBay has never really tamed the chaos or perception of risk. In fact, my perception degraded over the years -- I would say they

Strongly agree with your points. eBay has never really tamed the chaos or perception of risk. In fact, my perception degraded over the years -- I would say they even doubled their "discomfort" metrics in many people's eyes due to the difficulties of using PayPal, as well as well-publicized cases of people losing their money, having their money held, etc.