Shipping Insurance Has Become a New Target for "Wool Party" Members: Merchants Are Grieving, How Should Platforms Respond?In recent years, in order to enhance user experience, e-commerce platforms have launched shipping insurance services, allowing consumers to easily return goods after purchase. However, this seemingly convenient "benefit" has spawned a hidden black industry chain, allowing "wool party" members to exploit loopholes, maliciously place orders and fraudulently claim shipping insurance reimbursements, causing significant losses for many merchants...