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I've never had a seller tell me "that's okay, let me ship you the goods and just send the payment whenever you have a chance to do so"

I have. I did send the payment right away though.

I am a seller and we do ship without payment to our regulars,once we sent an item that we sold out to the buyer and he could not get over the fact that we shipped first and waited for payment.He gave us a bonus donation of 50.00 because of it.I have made many friends on ebay and heard many stories as most of our auctions are donated religious items.I have even met some of the buyers,who will stop by at our ministry if they are in town.One received our newsletter and donated a beautiful chandelier to go over a statue of Our Lady.She never did see it in person but we sent her a picture.
Paypal has also worked well for us,so easy to use and transfer funds to bank .My suggestion to anyone buying on ebay is to check the feedback first.If you see more than a few negatives beware,no feedback,no order.