escrow serves the same purpose, you confirm you are happy with the product before releasing the funds, but you cannot just claim the funds back yourself once th

escrow serves the same purpose, you confirm you are happy with the product before releasing the funds, but you cannot just claim the funds back yourself once the are in escrow, that requires the other parties agreement. What it does is even the playing field between seller and buyer, which benefits all honest parties. the current status quo is that the merchant/seller whatever takes all the risk for a potential chargeback down the line.