answer: #Person2# trusts the free insurance offered by eBay, but #Person1# regards it unsafe and asks #Person2# to do more self-protection.
documents: #Person1#: I think you're being a little naive. 
  #Person2#: If I want, I can protect myself by paying through an escrow account, which holds the money until I receive the item. 
  #Person1#: That proves my point! Protect yourself or you'll get burned. 
  #Person2#: eBay also offers free insurance. You can get a refund of up to $200 if you're not satisfied with your purchase. 
  #Person1#: $200? If they get a hold of your credit card number, you're going to be out a lot more than $200! I had a friend who. . .