So many changes came with reasons - mostly enhancing the buyer experience, etc.
Buy why no optional insurance? Who does that benefit? Who did it hurt? The way I see it, it was good for everyone. Yes, the buyer is already guaranteed to get the product if they pay by Paypal, but some like the peace of mind of an added layer of protection over what they already have.
If the intent was to eliminate "Not responsible for items" from listings, why not just eliminate that over taking away something everyone could benefit from?
Baby don't you ride in that faux Cadillac
If you must, please ride in the back