Like fraud, I see more package damage.
When I buy something, I make it clear to the seller that both insurance and double boxing is required. I will be insisting on 'signature required' from now on. I am willing to pay some additional $ if the buyer asks, I may even offer to. I figure a little extra when deciding to buy. To me, now, it's about preventing disappointment.
I mention to the seller, that any damage claim in the USA will likely be denied if the item is not double boxed.
The insurance claim must be made by the seller who both packed it and purchased the insurance. Much better to pay a bit extra for double boxing than wait for a damage claim.
Then we have to deal with shipper's indifference in the entire process. Any package damage, I photograph the box outside of my house, one with the truck in the background if possible. Keep in mind, photos are time dated as are the shipper's drivers records.
Then I open it, hoping for the best.
Air pouches, bubble wrap can all be 'crushed' inside the box, allowing undesired movement. Some non-collapsible materials are needed to prevent that.