Users could probably select their own escrow, right? For me, I'm not tying up the majority of my net worth in a single crypto. I could set an escrow at double

Users could probably select their own escrow, right? For me, I'm not tying up the majority of my net worth in a single crypto. I could set an escrow at double the value of my wallet. It's highly unlikely that I do lose my secret key, and if I do, it'll be a huge pain to come up with the escrow, but it'd be doable. And of course, you could probably set a cap so that even an in extreme spike of values, the escrow won't ever reach an amount that's infeasible for you.