I think the point is about the need to buy money to upfront it, and have to pay to make it secure. Imagine a factory saying: you can pay on delivery if you use

I think the point is about the need to buy money to upfront it, and have to pay to make it secure. Imagine a factory saying: you can pay on delivery if you use this currency, or you have to upfront 50% to the escrow (which you'll have to pay for it's service, and the interest if you used credit). This second scenario you won't have your money stalled for months while paying for it.