Remember that you don't need to use it often precisely because every party knows that you have that option. So people don't try to scam you because they know it

Remember that you don't need to use it often precisely because every party knows that you have that option. So people don't try to scam you because they know it won't work. They know it is a solved problem, a means of security they can't breach. They know that if they misbehave, the other party won't be harmed (they'll get their money back, if harming them was their intention) and they themselves will be punished instead.