[hn_throwaway_99]

OK, I think I can fully understand and agree with your point, but what you are describing is really not a "smart contract" as it is usually described, at least by people who think of it as revolutionary technology. It sounds like you just want a title company with better technology, and that I can wholeheartedly agree with.

But the fundamental raison d'être of smart contracts (i.e. that they are "trustless", that "code is law", there is no intermediary) do not really support the use case that you are describing.