As someone whose been buying on Ebay for a very long time, I’ve never had a single problem getting my money back through Paypal or Ebay. I’ve disputed over 50 payments with Paypal and always got my money back. If you’re not winning your disputes, then you’re probably doing it wrong. Make sure you read the buyer protection policy and select the right dispute options and provide all the necessary information. I also only pay for purchases with a credit card. If paypal ever denies a dispute, I’ll file a chargeback through my credit card company.