There are none. The trade offs to avoid the above is higher fees and less convenience. I’m implying using P2P markets like @npub1p2ps...3m82 , @Hodl Hodl , and @Deleted account

The fees aren't necessarily higher, that is a myth. But definitely it is less convenient. Let's be honest: Using bitcoin is a pain in the ass. If you want convenience, big tech and big banks welcome you with open arms.