PayPal rules

I dont think paypal's buyer protection works without an Ebay listing or an E-tailers receipt. Joe Blow in Cleveland selling a starter wont cut it. You wanna cover your ***? Have the seller throw it up on ebay with his asking price (plus listing fee) as a buy it now price and have him send the listing to you, you buy it and pay now..now your covered. Sure you pay ~$106 for a $100 part BUT I think thats the only 100% way to do it under the paypal/Ebay protection system. Or just buy from a known FABO member. If he/she punks you, lay it out for all us to see and cast stones..