There is already an open source tool to handle escrow transactions. What you are proposing is already built (for the most part):
https://steemit.com/escrow/@xtar/open-source-standalone-gui-for-steem-escrow-transactions
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@onthewayout thank you for linking this! If we use an escrow, then I believe we need licenses in the USA which we are not prepared to get! Trust scores will mostly eliminate the need for an escrow.