AUDIOGON and REVERB No Protection

When you buy on either of these websites you have "NO" protection for your purchase.....If the deal goes South, so does your money..............I just lost 663.00 on Audiogon over a damaged amplifier that had 1600.00 worth of damage that no body would pay because of poor packing.................I just had a similar experence on Reverb, I returned the damaged speaker and "NO" refund and no good reason.......So if you don't have a out be careful.....