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I learned to never buy unseen unless using a credit card, or as you mentioned, via a system like Ebay where a credit card or paypal is involved.
Example:
Had a totally reputable company take my order, then go out of business, the money on the card was covered and refunded by the credit card company.
If I had payed debit, I would have been S.O.L. Only difference at the time was which card I pulled out.