Another thing to consider is that the discussion boards are full of comments about buyers who want gorilla proof packaging and insurance but dont want to pay for it. Thats one of the problems with eBay trying to encourage sellers to offer free shipping.
You seem to be attempting to affirm a common misconception.
Insurance, and proper packaging, is not the responsibility of the buyer/recipient. It is 100% up to the seller/shipper to package their products properly and insure (no pun intended) that they get to their destination. If a package is damaged, due to poor packaging or incompetent shipping, or never arrives to it's destination, the seller is the one who is at risk. The buyer doesn't have to accept the merchandise, or deal with filling loss paperwork, etc. Contrary to what many sellers like to claim, the buyer is not reasonable for this, nor liable for it not being done. If I pay for something, it needs to arrive at my destination in one piece and in proper condition, otherwise I will get a refund.
I often seen sellers who attempt to use scare tactics to get ignorant buyers to pony up more $$$ in effort to pay for tracking, insurance, etc., claiming that if they don't, they will be SOL on any claims. But this is nothing more than a way for sellers to trick people into paying for their own costs.
Now, with that said, obviously insurance and proper packaging costs money, and in many cases is an absolute requirement. And since the seller is in the business of making money, they need to somehow recoup the cost for this service from the buyer (one way or the other). Whether that means charging something/more for S/H costs or taking it out of the profit of an item, that's completely up to the seller. But don't, as a seller, offer to sell me something for $X with $Y or free shipping, have my buy it, and then attempt to blackmail me into paying extra to get my item to me in one piece. (By the way, this is directed to sellers in general, not you personally).
