Is $575 for an unlocked iphone 5S a good deal?

Is this a good deal? Here is the link for the item to ebay.
http://www.ebay.com/...1050526282

If you buy it then the seller reports its stolen to get insurance money, the phone gets locked and there's no way to unlock it
I would rather pay a bit more and get it from Apple or a phone store
Think about it - if they only used it 2 days they could get a full refund from the store where they bought it. You have 30 days to return to a store. So why wouldn't you do that if the phone weren't stolen or a Chinese clone? Wouldn't you return a phone to the store for a fill refund if you didn't want it?
Not saying that's definitely the case here, but something sounds fishy

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