Do you happen to know the law (or some reference that might help me find it) about the misuse of insurance premiums by overcharging it and then putting it into a personal or company account?

I am pursuing the shipping issue because there also seems to be a fraud in claiming "shipping" when the cost is something else, including profit supplement. In cases where the shipper actually uses the USPS trademark and aligns the shipping cost with a specific referenced USPS shipping service, that is fraud and I'm pursuing a way of criminalizing it to force eBay to respond and to put fraudulent shipping fee people out of business.

For those sellers who comment about their problems with fees, etc. the honest solution is to simply charge a higher price for the product or to put in a clause for "extra" profit or to honestly put in a clause adding whatever your eBay fees and Paypal fees are for cost recovery. It is NOT honest however to blend that into something called "shipping.". If LL Bean or some other mail seller charges you 20 cents for a sweater and $100 for shipping, that's fraud. It's no different on eBay.

If the cost is something other than shipping, it is dishonest to represent otherwise.

So pls. adivse on the insurance angle as I am working with a prosecutor in Texas on a eBay seller there who is charging $50 for shipping a 1.5 pound package!