“I concede that the use of the word "insufficient" may be interpreted in different ways.   I am not going to comment further on that. This is why our opinions more often than not differ”.

Let me introduce you to and old friend; a phrase which I was required to learn and retain word for word before I could qualify as a Gun Detachment Commander (Royal Australian Artillery) back in the early 70’s.

“Fire discipline is the language of fire control.  It consists of words, phrases rules and conventions which have a specific meaning and results in definite action at the guns”.  That is, for instance, though the word “right” can have multiple means, and therefore multiple applications determined by the context in which is it is used, for the purposes of fire discipline it has only one meaning, because, when you’re dealing with the delivery of high explosives on a ballistic trajectory to up to 20 km away, even small errors can have huge implications - usually fatal.

Legislation and policy work in much the same way.  Take for instance the word “delivery”.  It can be interpreted in multiple ways and therefore provide multiple outcomes dependent on what interpretation the individual assigns it.  This would render the legislation unworkable.  Therefore the legislation assigns it a specific meaning, and it is that meaning which applies, not only for the purposes of the legislation, but also any contract involving the sale of goods of the provision of services, and the eBay Money Back Guarantee is such  contract - unless the contract clearly specifies otherwise. That is the word “delivery” has the same meaning for the purposes of the Guarantee as it does for the legislation, unless the Guarantee assigns it a different meaning, and it doesn’t.

As for   “also note TBA you referencing the clause re sellers without a payment method on record - not helpful for anyone to remove their payment method as you cannot create a listing if there is not one selected AFAIK.’

The again this is based on another flawed interpretation.

As the consent was revoked “after’ the item was listed and as the consent was revoked in connection to a single transaction,  it has no effect on creating other listings.

Furthermore, the only thing that was revoked was one small part of a very extensive Agreement, with every transaction being a separate contract.  That is, the only thing that was revoked was eBay’s ability to access the funds in connection with a single transaction until, and only if, they obtain a judicial order that the funds are to be handed over.  

Therefore, it does not affect that part of the contract which authorises PayPal to hold on those until the dispute has been finalised - judicial determined.  Instead all it does if force eBay to, before they can access those funds, prove their right to recovery exists, before an independent judicial officer, which is one of the thing the policy attempts to avoid.