I think you're being incredibly dismissive and a little condescending for no reason about his concerns, I'm sure they "considered" that while yes there is legal recourse if eBay were to take money out they weren't supposed to, the process isn't a 100% guarantee by any means, and you're still out that money while it's being investigated/resolved. Not everyone is in the privileged position of being able to float a couple thousand dollars while an issue like this is being resolved.