The way to make up for any such losses in with high volumes (I wish I was selling enough volume where it didn't matter). The eBay high-rollers haven't given up on eBay despite a percentage of their sales getting chargebacks. It's part of doing business. When you're making 100k or a couple of million you don't really care about a dozen chargebacks every couple of months. That is, as long as your business isn't high-priced items but that would likely be low volume then). Once you get higher in volume you also get more cred with eBay and PayPal.

The bottom line is that they're actually out to protect themselves first and foremost. They will not lose money. Next is the buyer and then the seller. The seller gets protected pretty much only when it's a really obvious scam. And even then sometimes this protection still leaves the seller at a loss, due to rule #1, protect eBay and PayPal.

I've been shafted by PayPal a number of times which had nothing to do with a bad or scammy customer. It was just PayPal BS. Thankfully I've often been able to get repaid at a later date by the customer specifically because they weren't scammers.