It's all on chain. 4 transactions. The entire bitcoin/sats they're sending are verified and as part of 2-2 multisig etc.

The seller has more risk with some payment methods. Various other mechanisms to reduce but it's essentially non existent (scamming).

They don't get sent, meditation, arbitration, easily proved and obtained.

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Thanks Conza.

I didn't realise sellers have to lock the sats that they're selling as well as a deposit in a multisig beforehand.

That is reassuring - I thought it was just the deposit.