entities that are in the merchandising business have their own shipping departments...Even the average e-bay seller does not "stand in line" at the post office....USPS insurance is the same as that used by the other shippers...
Yes there are differences between small companies ("Messicks" would qualify in this discussion) and a large mail order form with a full time shipping & fulfillment staff.
While there have been some very positive improvements in the USPS, small individual mailers still have many problems complying with all of the various postal regulations. Some who sell on eBay are "power sellers" with tens of thousands of sales per year, and thus would have a fulfillment center handle all their mailing needs.
We have a body care company and ship dozens of packages most days. Many of the packages -- due to their small size and weight -- ship easily with prepared postage, and are just dropped off in the bulk receiving containers at the rear of most post offices.
Still, almost every day there are one or more packages that require an employee of ours to make some direct interaction with a postal clerk. The wait can be more than 30 minutes, especially at holiday times.
I understand your aggravation, but I also certainly do understand that handling special requests on small ticket items eats away any profit on such a small sale. I do not believe it is simply a matter of gouging.
I stand in line at the PO almost every day to pick up packages, special delivery, inbound foreign orders, etc. I can tell you that EVERY day I see several eBay sellers standing ON LINE with up to 20, 30 or more packages, waiting to process their orders.
"USPS insurance is the same as that used by the other shippers..." Not sure what you mean by this, or what the relevance is.
I am sure some vendors try to squeeze a bit of extra "profit" by boosting fees on shipping. But generally speaking, as one who sends and receives thousands of packages a year, I have found such vendors to be the exception, not the rule. In fact, many vendors -- such as Zappos (free shipping both ways), and Amazon, with options for "super saver" or free freight) have S&H fees that are reasonable for the service provided.