Multisig escrow doesn&#x27;t solve the refund use cases and isn&#x27;t new&#x2F;unique to bitcoin.  There are plenty of use cases where a refund is needed just a day after the transaction is complete (defective items, economic hold up, etc.).<p>It can also be gamed if the additional parties are in on the scam, which requires a level of trust that the article says the unbanked do not have.