I've been trading in Binance P2P for many years now, I don't encounter such issues. I don't think if it's just in your Country, because here in my place all is well in terms of P2P trading. Binance provided an instruction how to post an ad and they provide the criteria how to become a verified merchant. And because what I'm doing is to withdraw from them, I just need to find an ad. And since your problem is about the bank you're using, try to make up with another banks because afaik there are lot of method to send the payment.
Bitcoin is illegal in my country so here Bianance and Kucoin p2p is the only way to cash out crypto so I have been using Binance p2p for many years. But I haven't faced any problem till now because I am always careful and always double check the payment information and double check after receiving the payment and then release the crypto so I haven't faced any problem till now. I have heard of my friends falling victim to scams from time to time but this has never happened to me yet. I think if everyone does p2p transactions with caution then he won't have to admit to a bad experience.