I haven't made use of bybit at anytime right now though I know about the exchange so can't say anything little or much about them. Nevertheless, there are laid procedures and principles to be followed when doing a p2p transaction in an exchange and sometimes newbie traders or reckless traders fail to abide by these principles and then turn around to blame the exchange they use for a mistake or fault of theirs. Example, when a trader send/approve a trade when he has not received and confirmed payment yet. Is that a fault of an exchange? Am not saying this is the case with your mutual but am just giving instance of certain case on how some traders lose their money in p2p trade.