In theory, Amazon's T&C's attempt to pass on the risk of loss to me after delivery of the item to a carrier. In practice, this is far less clear, because of merchant agreements / cardholder agreements and overall FTC regulation of goods sold directly to consumers.

But it may be moot, anyways: if Amazon decides to screw me, they have a bunch of digital assets that they hold hostage and will remove my access to if I initiate a legal dispute or chargeback, even if I'm in the right.