I definitely agree with you on this. Multisig and escrow can be a way but I don't think we actually should require it for smaller amounts. The trust value of some high stackers is enough.

Yes for big amounts we can create a multisig with not 1 but as many as we can for escrow with all must be high value stackers from SN.

My main purpose here is to indicate that how high value (trust score) on SN can indicate and be useful for towards real world use cases as with P2P trade.