Not my area either but my read is that the issue is solely dependent upon the "terms of the contract." What are those terms when a seller offers to sell something at auction on ebay?

My interpretation is that the seller offers to sell to whomever/wherever and does not offer to deliver the goods to a specific destination. The seller's obligation is to deliver it to the "carrier" i.e. USPS, properly addressed, postage paid, etc. and at that point the risk of loss passes to the buyer and the post office becomes the buyer's agent for delivery.

Contrast this with what I think this section is about, viz contracting for delivery to a destination. In such an instance, the buyer would specifically contract and state that the terms of the agreement are f.o.b. at his place of residence or business and neither title nor risk passes until delivery is complete.

How many angels can dance on the head of a pin? Best to ask for insurance if you're the buyer of an expensive chip and refuse to deal with a seller who refuses to insure. And, for sellers, insure it if it's valuable--