None of those are intermediaries that police and reverse transactions. Even escrow services do not offer the same protection as credit card chargebacks, which go out to 90 days or longer. Once you implement that type of intermediary, the primary raison d'être of cryptocurrency -- decentralization and immutability -- goes out the window.
I take note that you have reduced the claimed value of cryptocurrency from decentralization and immutability to mere "efficient trust establishment". However you are still making a totally unsupported claim that it is more efficient that existing methods (e.g. getting a credit card or payment processor). Considering the enormous energy cost of mining you will need to offer some support for that. Otherwise it's just frothy hype.
I take note that you have reduced the claimed value of cryptocurrency from decentralization and immutability to mere "efficient trust establishment". However you are still making a totally unsupported claim that it is more efficient that existing methods (e.g. getting a credit card or payment processor). Considering the enormous energy cost of mining you will need to offer some support for that. Otherwise it's just frothy hype.