Even with "verified" P2P sellers, aren't bank freezes and UPI reversals constant risks? Considering the RBI's cautious stance and the mandatory 1% TDS, am I just paying more while still facing locked accounts and failed transactions?

If unverified traders offer me better rates but make my account more risky, am I not increasing my exposure by using disposable bank accounts? Wouldn’t it be safer to use verified sellers or regulated off-ramps in the long run? What do you think?