eBay at one time was dealing with a lot of seller fraud with sellers that didn't ship, shipped you a rock instead of a laptop, etc. over the years they started adding more and more buyer protection to keep shoppers from being scared away. Unfortunately they tipped the scales so greatly that now, as a seller, you can very easily be scammed. The scammers have simply moved to the other side now and commit their scams as buyers.
It must work out better for eBay that way. But it sucks to sell anything of high value.
Yeah, this is the problem with fighting fraud at a venue like eBay. You invariably tip the balance to one side or the other, and the fraudsters just move to that side. The tough part about tipping to the buyers' side is that buyers always have the power of the chargeback anyway.
But, eBay probably made the decision by simply asking who it is better to frustrate: sellers who have very little choice of viable venues at which to sell, or buyers who have a plethora of choices from which to buy.
It must work out better for eBay that way. But it sucks to sell anything of high value.