Loss of income Covid 19 want to return item

help....I bought an expensive antique teddy bear from a seller back end of March but now have just lost my income due to Covid 19.  I have contacted the seller and explained that sadly I have no income coming in and would it please be possible to return him.  He is as received.   They are a ebay business and it says on there listings that they accept returns.  However the seller has just contacted me asking me not to return as they have already spent the money and have nothing to pay be back they suggest I put on ebay and try and re sale myself.  I am at a loss what to do.  They do have alot of other items listed and some more expensive bit and bobs.  I dont like upsetting people but I really am concerned about what to do next

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I am pretty sure the money back guarantee would not cover a return request such as this. If i were the seller i would fight any claim, harsh as it may be. They are not responsible for your circumstances, how would you feel if all your buyers requested returns and refunds for the same reason.