There is already protection in place to prevent people from being scammed. All they have to do is STAY IN ESCROW. In those cases, the buyer is absolutely refunded. When you choose to leave the protection of the escrow system, there is nothing that SR can do because the buyer has already released funds to the vendor and "finalized" the transaction. Once it has been finalized, there's nothing for SR to do because finalizing the order implies that it has been received and that the buyer is happy with it -- otherwise, they shouldn't be finalizing! Buyers need to take some responsibility here - it is incredibly simple and easy to avoid being scammed by just staying in escrow!