oh my gosh...i was thinking the EXACT same thing!! you have beaten me to it. i was thinking why can't EBAY create in their sell pages an area that a seller can sort of 'fill in' that the buyer sees while looking at the listing-so everything is in one spot-out in the open, disclosed and very visible, instead of the sellers including it somewhere in their description down below etc...
something like a chart before the description including all the basics ie...insurance costs, shipping costs, refund policy etc..etc...
ebay's defence is always that the seller needs to be accurate...i don't think this is always the problem, i believe most sellers are accurate for the most part, and we all know alot of the times its the buyers not reading...if ebay helps the seller get all the accuracies out there in a simple, sort of mandatory chart form, it would certainly help...
Kat