That's the way it works if you do it right (and it ain't that difficult). I've been a PayPal customer since 2001 and every single time I've had a problem that was covered under the PayPal buyer's protection program resulted in a 100% refund.
One time a guy tried to say I didn't ship an eBay item to him and filed a complaint with PayPal but I had the USPS tracking # showing it was delivered. So PayPal denied the guy's claim and because I had been such a good customer over the past 20 years that they sent me a $500 PayPal gift card to be used whenever.
Here's what I put the $500 towards. A professional Beverage-Aire BM23 Kegerator:
View attachment 292365