I may be mistaken but I haven't seen any quotes from cckw email where there was actually any money offered at all, there may have been but I haven't seen it. I did see this quote:
"Not knowing the screwy rules of the postal system I don't feel so guilty about, even the people who work there do not know a lot of the odd ones. However, I have been thinking that I sold you the knife for more then I paid, and refunding the profit amount has been on my mind."
I don't know if "been on my mind" would constitute an offer of some sort of refund, if it had said 'and I'd like to refund you the profit I made' then that's an offer to me.
Personally, if I buy a knife, it gets lost after I was told it shipped with $100 insurance then I was offered the "profit" the seller made, I'd likely be a bit pissed and refuse his "charity" as well. I don't want charity, I want what is due to me and if I agreed to a shipping method that I'm told includes $100 insurance and something happens, then by God I want the $100 insurance I was told was on the package.
Lets also not forget the unofficial rules posted elsewhere on this thread, originally posted on this site by Esav, if someone sends you money for a sale or an item for a trade, it'd your responsibility to get the knife or item to the party. Period! Insurance is a means to cover the shippers potential loss (the receiving party can't file a claim, the shipper has to file it). You (as the shipper) buy the insurance to cover the full purchase price of the item so that you can refund the buyers money should it get lost or stolen in shipment, just be smart and include the cost of it in the price of the item or, don't give the buyer a choice to ship without it ... 'You want me to ship to France? Sure but the insurance is gonna cost you $$$, you pay it or I don't sell to you'.
In this case, PWET agreed to the $100 insurance he was told by cckw would be included so it's his loss that he's not due a total refund, but he is due the $100 bucks ... and not some BS "profit" the seller may (or my not) have offered. If the buyer pays for any amt of insurance and the seller doesn't insure the item, the buyer shouldn't be out of a refund.
For those who seem to think PWET gets nothing, I wonder what your opinion would be if PWET had paid to insure the full value of the knife and cckw had just decided not to get the insurance? It's the sellers risk, if he want's to 'self insure' that's up to him.
Jester60