This is not true unless things have changed in the last few years. eBay will try to get the money back by flagging the fraudster's account. But if that account has been emptied there's nothing they can do and eBay does not refund your money from their pocket.
For the credit card comment. I don't think this is true either since I worked in retail before (family owned). Credit card companies are really quick to credit the account in case of fraud (I deal with this with my own CC every year). Thinking through this it makes sense since it doesn't come from the CC's pockets, they freeze assets in the merchant's account and forcefully refund the money from merchant's account if it was determined to be a fraudulent charge (in some cases merchant still pays the transaction fee for the CC charge).