I’ve been giving some more thought to how to protect against these situations and one key thing that I think is missing is a trade acceptance phase where the maker and taker get to agree to the terms. In this way the maker has the ability to stop frequent traders that are looking to exploit and pile on available offers only to turn around and chargeback. Currently the maker is at the mercy of the taker because once the offer is accepted, the taker will transfer funds and the parties have to go into arbitration and deal with the legacy banking networks to resolve (time consuming and risky for frequent traders).
Ideally, once the taker accepts an offer the maker would get some limited amount of time to accept the taker by having access to their name and account information as well as other metrics on their history (if possible in the future). If maker declines the offer goes back to active status as it was before. The allotted time can be carved out of the current window ex. 1 day to accept, 3 days to complete transaction.
To make this even more useful a secure chat like the one used by the arbitrators would be very helpful in confirming the understanding of the terms of the trade, originating/destination accounts, timing, any variations on the terms, etc.