I was on both ends in a similar situation both as the seller and the buyer, and the bottom line is insure all packages even if they say they don't want it, because at least if you have to pay up, you will have the insurance money (providing the mail company accept your claim). The negative of all this is that both parties lose out in the end because the deal went sour and usually the two buyer and seller usually don't do another knife deal ever again. and regardless what happened to the item, someone gets burned.
Jeff
Jeff