This may be a dumb question, but couldn't this all be avoided if we all used Pay Pal. I have NEVER had a problem with Pay Pal. And if someone makes an excuse why he doesn't have an active Pay Pal account, simply don't do business with them. If you don't get your stuff, contact Pay Pal. They have to step in and refund your money and then go against the jerk, don't they? If this bothers anyone, please don't get upset, I am just thinking out loud and trying to help our community.