Why do you hate PayPal? Because sometimes things go wrong, especially with eBay purchases, and then two people have an argument, and PayPal has to support one side, so one side thinks they just got what is rightfully theirs, and the other side thinks they have been robbed. But exactly the same thing would happen if Apple did the same thing.
You could only have a different situation if Apple only allowed sellers who are extremely reliable. Which would mean they never make a mistake, no honest customer would ever have a reason to complain, and any customer complaining would be automatically considered dishonest and in the wrong. Mmmh. Doesn't sound quite right either.