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Simple example: An avatar buyer gives some items as a down payment to have an avatar made. Somehow this avatar does not live up to the standards of the buyer, but does to the creator. The buyer claims that they were scammed when the avatar maker did not make a good picture and has stolen their down payment. The Avatar maker claims they have lived up to their end and the other person is scamming them by not paying.
This is all subjective and can be cleared up by not allowing services where something like money is a defined trade such as X amount of currency for Y hat.
See the problem there is, the trade clearly stated I fully go first, and that's how it went for every single trade. I went first, and if they ran, they ran, so be it, I made an avatar for nothing, and was fine with that. I accepted payment AFTER they got the picture.