The seller in ebay, is someone like you and me, a normal person. When you buy into some store with stolen credit card data, you are doing fraud in a business. Sometimes the store take the cost, sometimes the bank. All depends what the credit card processor decides. If the store hits a big margin of fraud, merchant can even remove the POS from there. When you do fraud against some normal person, this person is not 'linked' in some merchant or credit card processor. So in this case, the person use paypal or another payment processor. Do you think the payment processor will take the cost for fraud or will just leave the "weak side" with the cost? The weak side (normal persons like us) always lose. Business, merchants, banks and credit card processors, even when take the cost, still winning, because they abuse in their taxes from every client. But us, always lose in this case, in fact, when you pay taxes to your bank and to your credit card, in fact you are payin the fraud that you commit in internet lol...
