Yes. Because the buyer has nothing to do with it.
If I sell something, it's my obligation to get that something to the buyer. So I contract with a company (USPS for example) to deliver it to the buyer. I pay USPS. I decide whether or not to buy insurance. I get the receipt from USPS. This transaction is only between me and USPS and none of this has anything to do with the buyer. That's why I disagree with the people who say "once I drop it off at the post office, it's out of my hands."
Personally I've always thought that as long as all good faith efforts have been made, PCFers should share the loss when a transaction goes south. But that's only my opinion because we're a community of hobbyists, and not merchants in a marketplace. Because that's how the hobby seemed to operate when I got involved. Now that we've evolved into more of a marketplace and less of a community, I don't know.
"In both the USA and most European countries, a private sale usually shifts the risk of loss to the buyer once the seller hands the item to the shipping carrier, even if the shipment is uninsured, unless the parties agreed otherwise. In the USA, this follows the Uniform Commercial Code, where the risk typically passes to the buyer upon shipment. In Europe (e.g., Germany), the same principle applies to private sales, while consumer purchases from a business are different: there, the seller bears the risk until the goods are delivered and must refund or replace lost items." - source ChatGPT ;-)
I think the legal framework should always be the starting point, and in the USA as well as in European countries it is essentially the same. In private sales, the risk lies with the buyer. Therefore, I believe buyers should always ask about the option of insured shipping. Of course, the seller, as the person who commissioned the shipment, is obliged in case of loss to handle all necessary communication with the shipping service and to pass on any compensation to the buyer.