It's called being cautious. How many times have we seen someone talk about a scammer and they used the "someone I know died recently" as the reason they "need a while before they can refund the money". I'm not saying in any way that the seller IS a scammer, and neither did the OP, but with the "someone died" coupled with "I don't have your money right now" I would be a little antsy too. I've seen so many people talk about this sort of thing with these as common excuses. But, the OP didn't flip out on the seller or start accusing them of being a scammer, she simply asked what options she had to ensure that she COULD get her money returned JUST IN CASE something went south.
We don't know the seller in real life. They could have every intention of refunding her money and keeping their word, but if it was a sudden death (not like someone had been ill for a while and they knew it was coming eventually or something like that) of a relative then they could have so much to do in a short amount of time that it wouldn't be hard to forget about someone you don't even know, then later go "oh crud, the refund!"
Doesn't make either of them a bad person, just means that the OP is keeping her butt covered for any unexpected happenings.