no but not everyone is so internet savvy as the rest of us, just because some one bought something bad off ebay doesnt make them stupid, he probably bought it in good faith that it worked and was quite disgruntled after paying and not recieving the item, only to recieve the item and find it broken and the seller acting like an utter wang.
hundreds of people have been scammed by nigerians on ebay auctions, are these people stupid? no they are not, they simply dont understand whats going on and thats a problem, i know alot about the internet i also know alot about banking and how money works in these situations, it would set alarm bells ringing in my head, however to most people they would air on the trust side of things, and get burnt, this is unfortunate because trust is lets face it something you need to have when buying something remotely, they're just abusing your trust and the system.
being uninformed/"ignorant" is not stupid