I've used Binance P2P service before and I have not had such experience and neither have I heard that someone was scammed before. If an issue ever arises there's a dispute center you can always table your complaint to. Binance have access to the chat history, they can see the address, track the transaction on the blockchain and can also request for bank statement if necessary. After reviewing these information I believe they will take the necessary steps to punish the faulted party and see that you get back your funds. If this doesn't happen and a situation where cryptocurrency is not legalized in your country, going to the authorities will only make this worse.
If you pay attention to the Binance platform, in the p2p section, there is always a warning aboit fraud and not releasing your coins until you confirm your fiat payment. And again, if you check the adverts section of the Binance platform, you will understand that there suspended or restricted accounts which I assume are accounts that violated binance terms or accounts that involved in scams.
So, it means that there are different kinds of scams. As long as the cryptocurrency industry is concerned, there must exist scam, that is the reason everyone is supposed to be careful.
Risk number 1 is P2P exchange, risk number 2 is to hold money on a centralized exchange, risk number 3 is the use of bank cards for exchange.
With such risks, the probability of getting problems is very high and you need to distance yourself from these risks as much as possible.