I got scammed (~$600). It took PayPal about a year of fighting before they gave up. I was threatened with collections, canceled accounts with them and fought hard. I insisted they take me to court. If the scammer would have sent me a box of rocks or something I would have lost. The only saving grace is the scammer never sent anything back to me at all. Paypal argued that was not their problem, I said yes it is. I explained give me the tracking number that shows he sent it back but they could not produce one. My new rule is cash only. If I would sell something with paypal, it would have to be something I was ok with just giving away.