One of the most educative posts I've seen so far. Thank you.
As scaling and speed become more relevant issues for mass adoption, you bring up a lot of points that are good to be aware of. That atomic swap idea is an excellent way to make a trade because escrows, while necessary, just slow everything down and can be a bit clumsy. People want peace of mind when transacting, and they shouldn't have to pay a fortune for it either. It's not like we're dropping off gold bullion or suitcases of dollar bills anymore. These transactions have the technology to work seamlessly, and therefore should have the security as well.