Unfortunatly eBay in my opinion are very fast at shutting down fraud but based upon my wifes experience this can be abused substantially as well!
She has been selling handbags on eBay for a while and has positive feedback up the wazoo but someone has it in for her (we suspect someone who bought and returned a bag who also sells bags on eBay). She has now had her account suspended 3 times with no negative feedback from her purchases but someone keeps saying her bags are not authentic (they are as I pay the dredit card bill!). The last time she had to send them pretty much everything except her birth certificate to verify who she was and then she was reinstated. Also she just bought a bag from this person and despite her claims about fast communication about purchases has heard nothing from her for over 5 days and no bag, then today Account Suspended again this time for 12 months!!!!!! On eBay you are guilty until proven innocent unfortunatly!
Good idea on the fraud but the process is not working and can be abused!
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