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When you buy from them, you will not be able to contact them. Ebay doesn't necessarily have to contact them directly either. They can take a number of actions with them that will get their attention. If they want to sell on Ebay, they have to follow the rules or lose their sales privileges on there. The buyer has to file a complaint to get any recourse but they have to try to contact the seller through the Ebay system and then wait a specific amount of time before lodging the complaint.
The money transactions are handled by either the purchasers credit card company or PayPal depending on what was used to pay. A buyer can usually get their money back but under return of product situations, shipping costs can be lost depending on the situation.