[nayastrance]

I think there is mutual responsibility.
As a buyer, you should insist on having your packages insured and trackable. If the seller has not included these in their shipping estimate, you should pay the extra $.

As a seller you should always include insurance and tracking in your shipping. Note this feature in your posts.

I think it is a little unfair to place the onus entirely on the seller and/or respond negatively if they haven't offered you tracking and insurance. Maybe they don't do a high volume of mailing and have not considered tracking and insurance as a necessary expense. A simple request that they include that should take care of things. I would have this conversation w/a seller as part of the "questions" phase we all go through before we commit to sending payment on something.