It would be very risky for us to directly contact traders on Binance and external P2P trading because we don't know who they are and if we get scammed by them there is no way to complain. I tried doing this once, I tried to talk to them to do an outside transaction but they refused immediately because it was really too risky even though the amount was very small. I don't think this is a good idea to try while we also have decentralized exchanges.
Based on personal experience, I would suggest everyone stay away from P2P merchants or users who ask you to contact them outside the platform and make trades with them because that has a lot of negative consequences and I have seen it. They might even offer you better rates and ask you to make trades with them privately, and they might not even scam you but things they do can put you under a lot of risks.
I have seen people facing such things where the buyer contacts them offering a higher price than the market and says he will do third-party payments, remember, third-party payments are a very big red sign, never take third-party payments from anyone on any P2P platform because your receiving account can get in trouble because of that.
The buyer would offer you high prices for accepting third-party payments, and then they send scammed funds to your account and take USDT from you, later on, people who got scammed by the buyer will start approaching you or registering complaints against you.
I agree with you and in my opinion, once we join any trading platform, we should comply with all their regulations and should not arbitrarily make outside transactions because will not be guaranteed or protected if something goes wrong.
I also use P2P on binance quite often and I never reply to messages or have to explain myself to any of the buyers and sellers. I always comply with binance's regulations and if the trading time expires and my transaction is still not resolved, I will complain directly to the support staff. We should only work and communicate with platform staff, and not talk or argue with anyone outside the platform or any social network. The risk is too great.