> Now, say the UPS driver and I didn't have that conversation. How do I get my money back? How do I prove the box had a brick and a bucket of tile mud? This isn't rhetorical. Keep in mind, the seller shipped me a PS4. The theft occurred at the carrier.

This is kind of the point. You bought a PS4 from someone on eBay who actually sent you their PS4. and then the carrier stole it. If you issue a chargeback, it's not the thief who loses the money, it's the seller who did nothing wrong.

You do want the police to investigate this so they can arrest the thief, because otherwise what is ever going to stop them from just stealing everybody's packages? This is literally their job.

But in terms of how to get your money back, the answer is that if you want the ability to do that you buy the insurance and then file an insurance claim. Then the cost ends up on the insurance company, which is set up to handle that, instead of random consumers or small businesses. And when UPS is providing the insurance itself, they then have the incentive to stop hiring thieves, which is where you want the incentive because they're the only ones who can really do anything about it.