non payers

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this site is going down hill but is it ebays fault or not?
 too many ppl now adays bid for things then do not complete when they win ( non payers)
think ebay should have a policy where when ppl get 2 or 3 non payer feedbacks then that person should be banned from using ebay or failing that ppl should have to have an ebay account where they deposit money into then when they win an item it is paid out of that account .
not enough money in the account then blocked from bidding..til they deposit more.
non bidders or not fair on the seller or other bidders complete waste of space ebay do some thing about them before sellers get fed up and look for another site to sell on
 
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