We'll it does because you can say to somebody but my item and I'm not sending you anything until the payment has successfully gone through which if you wasn't using eBay/PayPal then this wouldn't be able to happen and yes your right they don't cover virtual items but when your using eBay you...
I have 300k coins to sell on fifa 15 on xbox one for very cheap. To have a purchase you must buy 100k+ and for security reasons and to make sure there is no scamming involved I will do it through eBay on the basis that once the payment has successfully gone into my PayPal I will buy a player...