All eBay and Paypal protection offers is a guarantee that you will receive a package. Doesn't mean it has to show up in good condition. Once you sign the delivery confirmation, Paypal and eBay wash their hands of the deal. I haven't read their policy in a few months so maybe they are offering a 100% satisfaction guarantee now, but I doubt it.
Maybe you need to read their policy again. These are the conditions in which you can receive a refund AFTER you except delivery of an item:
•You received a completely different item.
Example: You purchased a book, but received a DVD.
•The item's condition was misrepresented.
Example: The listing said new but the item had clearly been used.
•The item is missing parts or features, and this was not disclosed.
Example: The listing said batteries included - but they weren't.
•You purchased a specific quantity of an item - but received the wrong amount.
Example: You purchased five pairs of fuzzy dice, but only received four.
•The item was damaged en route to its destination.
Example: You bought a beautiful antique lamp - and it arrived in pieces.
•You received a counterfeit version of the item.
Example: You purchased a Rolex but received a Faux-Lex.
Not only do I use PayPal on Ebay...I also use a PayPal debit card for ALL purchases I make on the internet! That would include any purchases I make from AZ vendors...which has been many!