This is what I was thinking.

I don't see ill will on eBay's part. What I see is a few badly-designed processes: not soliciting proof when there is a buyer/seller dispute and not integrating a "Money Back Guarantee" charge into eBay's account balance.

These seem like matters of incompetence.

Also, in my experience, when I refused to pay eBay for some charges I disagreed with, they simply sent the debt to a collections agency.