Do I understand you correctly Kaz....the buyer can whistle for a refund if they do a bank transfer to pay you? The seller and buyer are both covered if it is an e-cheque but only the seller is protected in the bank deposit scenario.

No. You are not understanding me at all, but I also think that you knew that and are just being a little difficult for the sake of it. 

My customers are covered for missing parcels regardless of the payment method because I am an honest, reliable seller.

If you read what I have actually written you will see that I have said is that the service I am receiving (ie paying for) from PP is no different from what I get from my bank.

This thread was about fees. I think the ebay fees are fair. If I didnt I wouldn't use the service. I would like to have the same choice when it comes to accpeting , or not, echeques, but I can't.