A) Because people have severely constrained resources and imperfect information with which to allocate them. B) escrow, insurance, etc. are just poor attempts

A) Because people have severely constrained resources and imperfect information with which to allocate them. B) escrow, insurance, etc. are just poor attempts at implementing reversible transactions, so if can why not just have them instead of using a greenspuned tangle of partially overlapping partially conflicting tools with who knows what kind of jurisdiction issues