Where vendors are intermittently experiencing issues and generally have a good track record and the buyer has solid stats yes the general SR position would be to split the loss 50/50. If there are a increase in issues then there is nothing stopping you asking for a higher or 100% refund as I recently did with one vendor and got. It is an imperfect system, the scammers will always be here so we need to use all the tools at our disposal to stay as safe as possible, not FE on orders is a big step in the right direction. The forums should be your bible, check up on the latest news for any vendor before placing an order, things change fast on SR.