I agree with the warning. If you have a problem with a seller, you are on your own. Here they have made all this money from you (the fees that seller's pay on every transaction), but they don't do anything to help you if you have a problem with a seller. There is no protection at all. In the end I feel totally burned by Etsy. According to them, it is their policy" to have the buyer and the seller work it out themselves". Boy, do they take the easy way out or what. EXTRA WARNING: Never do lay-aways with a seller on Etsy, always pay by Pay Pal and make sure the transaction goes through the payment system, AND BEWARE OF SOME SELLERS SHIPPING POLICIES. With some of the sellers, if an item arrives broken, it is YOUR claim with UPS. You don't get your money back until the seller gets the money back from UPS. The only thing is - they drag their heals in sending in the claim, and dangle you on a chain waiting. I could go on...