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Dave FI would say for $150 the seller should take the hit. Unless in your for sale post you specifically said this price doesn't include insurance, etc. If you put in there $150 for this card then I'd expect I'm going to get that card for $150..and if I don't i'm going to expect you'll compensate me for that.
If you didn't bother with insurance or even spend 60 cents on a delivery confirmation...how can you blame someone at the other party's house for possibly taking it? The insurance or at least a d.c. is there to protect you as well as a buyer.
It always helps to spend an extra $1.65 and have $100 insurance thown on it...you woudln't believe how more likely your package would arrive.