That's what escrow is for?

Places like swapd that operate on crypto escrow every transaction to lessen these crypto problems.

Those are functions of a marketplace, a low-cost pseudo-legal system so that you hopefully avoid using a state's costly and slow legal system. But if marketplaces also own the medium of exchange, e.g. marketplaces that issue tokens and only allow transacting in tokens (Paypal behind the scenes), their economic incentive is not to resolve disputes, but to create as many barriers as possible to converting tokens back into value as they can get away with, since this becomes the profit center of the business.

And, when the only medium of exchange available to consumers and merchants is through one of these tokenized marketplaces, getting locked out of marketplaces means getting locked out of doing business entirely with no recourse or alternative.

Mediums of exchange should be neutral, and self-sovereign exchange has to be an option in order for marketplaces to offer competitive marketplace services, else they just abuse their monopoly on medium of exchange.

It's pretty nice, e.g. that when I buy a leash, it doesn't also have to walk the dog. Maybe for some, it's ideal to have someone else walk the dog, and the dog walker can even insist on bringing their own leash, but having the option of buying my own leash, putting it on my dog, and walking it myself means I don't need anyone's permission to own a dog, (not a big deal in the case of dog-walkers since there are so many) and substantially lowers the premium that dog-walkers can command in the marketplace for their services.