It is a little bit different, if you are doing it in centralised way - you have to control and secure everything - from databases to access to admin panels. It

It is a little bit different, if you are doing it in centralised way - you have to control and secure everything - from databases to access to admin panels. It is quite complicated, requires robust processes, etc. Most of the finances are not really programmable, everything is done via simple scripts on some machine that just turns the knobs. You have to secure this part also. It is a lot of work. While for crypto-escrow you can just do a simple multi-sig with a hot keys that running on admin machines and they sign results there and they couldn't get the money, so no reason to try to hack the system. Much easier setup.