...if they detect a very slim sign that people are doing a risky business with their accounts. Even if you manage to keep the chargeback rate low, you may still face possible problems with Paypal.
Do you think the buyer would put my account at risk if I do a smooth transaction and have an insurance policy that will make me win the dispute if he were to file.
I just don't see any benefit for the buyer to start a dispute knowing they will lose.