2 examples, ebay item I bought with Paypal and recieved an item other than what I ordered. Took 9 weeks to get a Paypal credit. I had to ship item back to seller first, ended up eating the shipping.
Same time, ebay item bought with a postal money order and not recieved.
ebay says sorry, not our problem since you didn't use Paypal, but we will restrict his selling privileges for a while, DUH! Post office says amount was too little to bother with, NOT!
I guess some protection is better than no protection.