John wrote: Here is an example: You win a ring for $37 plus $9 shipping and insurance. The way you would pay is send $46 worth of casino chips. This way eBay gets the fee they charge and is not out any money.

In your example would it be alright if the trader charged you $9.00 shipping for his chips?

Or being that's it's an example, how about the chip holder charging you the same amount for his chips as you are charging for your jewelry? Sound fair to me. Do you agree, John?