The OP argument against P2P is a red-herring fallacy, because the issue he warns against is the danger of certain fiat payment types, which he falsely presents as danger of P2P exchanges.
Actually no. This issue
is about P2P exchanges and not about fiat payments.
But most importantly it is about scammers hacking/using someone else's bank account to make payment to buy BTC. And when this happens, the person who received the payment in their bank account is the one recognized as being the hacker and stealing the money.
And therefore they end up getting their accounts and funds getting freezed.
But this is why there was a
discussion as to what safe practices to follow whilst trading P2P.