Hey, I might have found a very common situation that is not covered by the whitepaper. Or maybe I overlooked it.
Alice orders a physical book about cryptography. She uses UTRUST to pay Bob. Bob is a trusted merchant with a high-performance rating. The funds are released the next day.
2 Weeks later Alice has still not received the book. UTRUST cannot help her, because the transaction already went through. Now she has to go through the usual way of asking support with the merchant.
As sellers get higher ratings and the holding time goes down from 21 days to 0, the level of buyer protection by UTRUST goes down to 0 too.
It is not necessarily a bad thing though. Things like the example above happen also with Amazon, and they handle buyer complaints pretty well. Usually they will just resend the book or refund the payment.
So there is a hole for, long scams. He starts a business, in some time he made his holding time 21 days to 0 and after that, he made a huge discount and disappeared from not sending it. You can't say it is impossible but not a very common thing.
