Thanks for the reply! I hadn't thought of that this might drive down costs due to making competition way easier, censorship is definitely another consideration,

Thanks for the reply! I hadn't thought of that this might drive down costs due to making competition way easier, censorship is definitely another consideration, and smart contracts for liability could also totally work with deposits. I'm not switching just yet because it's not solving a problem I'm having, but fair is fair: you've convinced me this is another legitimate use case for blockchain technology. That's very rare so I'm happy :)