I've been tinkering with BitKey. Something like this, but with seeds companies could fully verify, would be perfect for this.

What if

The customer holds key 1

Company A holds key 2

Company B holds Key 3

If customer ≠ deadbeat, customer gets sats back.

If customer = deadbeat, customer loses sats.

Now the customer is the proof of liability.

Company A says, this dude is a deadbeat.

Company B acts as an arbitrator and makes a decision based on the evidence.

If keys are lost, Bitkey can do some Bitkey stuff. ( Full Disclosure: I haven't verified how this works yet)

Risk can be mitigated further by using Anchorwatch because of insurance.