You're using escrow already when you use a bank account, CC processor, paypal, google wallet etc. You don't really get a choice, and you carry the mandatory co

You're using escrow already when you use a bank account, CC processor, paypal, google wallet etc. You don't really get a choice, and you carry the mandatory cost because merchants roll the cost of chargeback fraud, CC fees and banking fees over into your purchase price, no matter if you think you'll need the added service or not.