A paypal charge back is not automatic. Paypal will only reverse transactions when goods are deemed to be defective in some way or a failure to deliver has occurred and proof needs to be submitted for them to accept this premise. Traders will have a transaction record of the transfer and emails describing the transfer as your defense. If it is suspected that I dared an attempt to defraud someone using paypal, I will lose my account. I have a presence on this and other forums where any wrongdoing could easily be exposed and reported causing a loss of reputation and trustworthiness. Given the risk of impediments to my assigned task of accumulating XPM, I have very little incentive to reverse a small transaction on you. There is risk in all business dealings and it ultimately boils down to confidence in the person you are dealing with. I am eager to build this confidence.
paypal will reverse transactions, the buyer simply claims their credit card was stolen, the credit card company gets tough with paypal. paypal dithers for 4 months, then decides against you.
I even had positive feedback from my buyer, snapshots of the transaction, and a personal email from the buyer comng from the account holders address.
Paypal allowed the chargeback, put my paypal account into debit, and started sending me threatening emails.