情景对话
Joe: I think you're being a little naive.

Mary: If I want, I can protect myself by paying through an escrow account, which holds the money until I receive the item.

Joe: That proves my point! Protect yourself or you'll get burned.

Mary: eBay also offers free insurance. You can get a refund of up to $200 if you're not satisfied with your purchase.

Joe: $200? If they get a hold of your credit card number, you're going to be out a lot more than $200! I had a friend who...

词汇注释
★ naive (a.) 天真的，涉世不深的

★ escrow (n.) 暂交第三者保管的款项，待某种条件实现后再予交付对方

★ burn (v.) 使上当，欺骗

★ free (a.)免费的

★ insurance (n.) 保险

★ refund (n.) 赔偿，退款

参考译文

乔︰我想你有点天真吧。

玛丽︰如果我愿意，可以透过第三者委付账户付款来保护自己，这样就能等收货后再付钱。

乔︰这就证明我说的！不保护自己就等着遭殃。

玛丽︰eBay还提供免费的保险呢。若不满意买的东西，最多能够得到两百元美金的退款。

乔︰两百元美金？如果有人取得你的信用卡号，损失的可远超过两百元呢！我就有一个朋友，她…