It is basically the UK "good old boy network" as far as i can tell.
Yeah, anyone who thinks they can one-up the eBay/PayPal combo in buyer protection is delusional, not to mention the whole premise of people nosing in to every transaction and tracking items as they go from user to user is completely ridiculous and shows that yes, there are people with too much time on their hands that are too interested in the dealings of others.
NO ONE EXPECTS TEH AMIBAY INQUISITION! ....oh wait, yes they do.