Why be insulting to put your point across? Does it help?
I think it's not so clear cut for companies to weasel out of headline commitments about protecting you AFTER taking your money and then hiding behind buried terms and conditions.
Recent court-rulings would seem to back this up and some people's claims on here about PayPal paying out might support that PayPal themselves aren't 100% sure of their ground either.
I think if I was left considerably out of pocket I'd be very much testing the water here.