I actually wouldn't mind eBay's MBG if it was implemented in a more fair way, it's what I and the majority of sellers already do, by and large. It's more the fact that not only will a lost article make a seller 'defective' (I still can't get over that, it's so ridiculous ) but also that they've made it so that you're risking far too much to even try and dispute a fraudulent claim of INAD - every seller should have the right to do that without risking being kicked off eBay just because eBay turns a blind eye to these sorts of things. 

I also worry what that will mean now that PayPal has 180 days to open an INAD dispute, as well, specifically whether they will handle a case opened 6 months after the sale differently to how they handle a case opened 2 weeks after the sale, and what chances a seller has of winning a INAD case when the buyer has had the item for that long, because a lost PayPal dispute will count as a case closed without seller resolution and more than two of those will mean below standard and account restrictions for all but high volume sellers.

I have the option to drop PayPal as a payment option on another site because they have a facility for me to accept credit cards directly, and I should be able to set up credit card payments easily enough when I get the shop up and running on my own site, but it's pretty much a practial impossibility to drop it from eBay, now arguably the world's most dangerous place to try and build a viable business. 😕 

I will never understand why they can't accept that increasing buyer confidence and security doesn't have to continually come at the cost of compromising it for sellers.