[Nursie]

>> I guess dishonest people can't imagine a scenario where merchants behave that way to, I don't know, retain customers instead of being forced to because their payments are being held hostage.

There are literally thousands of years of history to look at that will show you how naive and ridiculous this view is. Try doing a quick web search on "Caveat Emptor".

And for more recent examples, well try reading anything much about the last few years of bitcoin.