I help run a warehouse among other things, we ship hundreds of packages a day. We get scammed by customers all the time, for stuff that was delivered to the correct place etc—the cc companies virtually always give the $ back to the customer even though it has nothing to do with us, so we just have to eat that if the delivery confirmation is legit. Even with a decent discount from the shipping company, we still eat a big portion of the cost to ship because customers simply get sticker shock when they see the actual cost to ship, so we have to subsidize shipping to be competitive. Thats our choice. And, we just got another price increase on shipping a week or three ago. Sending stuff across the country is not cheap, and it isnt getting cheaper. We insure every package we send, because if we dont it costs us even more in the long run. The insurance alone adds a significant amount of money for a $$$ product, its been a while since I checked exactly but we pay something like a $1 fee for $100 of coverage plus .50 per additional $100 of value. At several hundred $200+ packages a day for 50ish weeks/year, thats more than $100,000 in expense that comes right out of our bottom line—thats a lot of money for a small business to just eat. So some companies dont buy the insurance unless you want it—you either pay less in shipping, or you pay for the insurance, and if you decline insurance and the package isnt delivered its on you to take it up with the shipping company…which is exactly how its supposed to work. Personally, I have zero issue with this, and it puts the accountability exactly where it belongs. If the item price including shipping works for me, great. If it doesnt, I always have the choice to not buy it. There is no scam here, the insurance costs money, its just a question of who is going to pay for it. There is also no extortion, no one is forcing anyone to buy a product and have it shipped to them. This is how businesses work…its a cost of doing business, therefore the consumer will pay it at some point, in some form. Offering customers a choice is just one way.