yea, plenty of options when buying/selling bitcoin, but when it comes to merchant purchases, there doesn't seem to be much going on currently. Would be great if myself and a merchant could prove we've locked up funds for a specified period of time (30 days?) and some mutually trusted entities had signing power on those funds should a dispute arise. The merchant transaction itself could be a simple lightning transaction, as long as proof was there that a minimum amount of funds were held in a wallet somewhere with mediators holding enough keys to effectively mediate (but not steal funds themselves).