There are occasionally crackpot buyers, but I've run into more crackpot sellers, who I would have loved to have posted accurate feedback on. This was before the possibility of retaliation from the seller was removed.

If you want to keep them from taking funds then insure everything you ship, and the reimbursement falls to the shipper if it is broken or goes missing.

After Sept 22 you can't put in the verbiage about "if you don't use optional insurance then don't ask me to make a refund if it is damaged." You also can't put in optional insurance. It is either included as a handling charge or not, but you can't make it optional to the buyer. Now you as seller have to decide if you're going to cut into your profits even more, or add handling, or if you're going to compete against sellers who don't include insurance in their price.

SRS