I guess at some level this is an "elasticity of supply/demand" thing. As a frequent buyer & seller, if I woke up tomorrow into a world that operated on "payment after receipt" - then looking around here, my answer for that is "I’m just not gonna sell anything online...EVER". That’s a low elasticity :)
By the numbers, buyers have been more willing to put up the risk of "money up front", than sellers have been willing to eat "payment after receipt".

