But you are missing a couple of points Dave - firstly a retailer is a business so could wipe any loss of against bad debts, Joe Public cannot do that.
I have no idea what you are trying to say. Why would Joe Public care about the bad debts of a retailer?
He will never be in a position to be subject to a credit card chargeback, how many times does Joe Public accept credit card payments for things he sells privately?
Secondly to satisfy Paypal you have to prove to them - how many ordinary people keep all their receipts and information on stuff indefinitely ?
You don't need to keep anything as THE BUYER, which is what this thread was about. What I'm saying is that IMO paying a HK retailer via Paypal is the safest method, as you have 45 days to report goods not received and Paypal will automatically refund if the seller cannot prove delivery.
Completely off topic, but as you seem more interested in the seller:
Paypal will only chase you during the time a dispute can be opened, 45 days.
Even then, all you need is to be able to prove delivery, so it's relatively simple to email yourself the tracking number or a phone camera snap of the tracking slip. Most people retain old email, I know I have my important emails going back to around 2004.
Personally Im still happy with online bank transfers as I can monitor my account quickly, and I also know my bankers are efficient at spotting potential frauds on the account.
That has nothing to do with sending money to an unknown individual in Hong Kong, once you press send, the money is gone, never to be returned, even if you have been scammed. Your bank won't care that your camera never arrived.
You could always go to Hong Kong and try and sue in their version of small claims court if they have one.