Banks, investment institutions and every government agency has at their disposal many professional security advisors and computer programers whos' job it is to set up a software framework whereby these scams are prevented from happening. Ebay is making as much money or MORE than any of them, yet they do not have the staff to perfrom the same protection of their software. Could they afford to hire the staff to put in the same safeguards...YES. Have they....NO.
Ebay may not be "causing" the problem, but they surely are NOT doing anything to prevent it!!! They deserve the criticism!
I can only imagine the unrest among their support staff who continually have to deal with these issues with ebay users, and who are probably paid peanuts, sitting in a 5x5 cubie with a headset on 24-7. "we're sorry sir, we will cancel your account and your auctions and you will not have to pay your listing fees. all you have to do is re-register and change your password..........."
That's ALL they do!!!!!!!!
If your bank left it's vault open all day and had no security at all, and crooks came in and took your money, would you blame the crooks or the bank for your loss?