I've spoken to ebay on this item and given them the green / red thsirt example. The answer I got was that in a case like that it would result in a return ( unsure on defect position) which is the same as paypal except on ebay you only get 10-14 days to make a claim and paypal is much longer. its pointless marketing noise which wont affect any seller more than the paypal situation does now other than defect situation. And if you are generally doing a good job the odd defect from some little turd wont hurt you.