<p>I don't see much of an asymmetry here. Before the fiat transfer the buyer can default, but will then lose his security deposit. After the fiat transfer the seller can default, but will then lose his security deposit.<br>
I suggest simplicity here, i. e. not finetuning the security deposits but having the same for alts and fiat and for buyer and seller.<br>
I would like the situation that mediation and appealing to the refund agent is only needed because of bugs or technical problems. All other problems should be solved by the traders. They can do this, having a communication channel, incentives and the terms written out in the contract.</p>

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