who decides?
and how?
and what are the consequences for Bob and Alice?
and what happens if Alice or Bob are not happy with the verdict?
> Alice is not available for some reason and just disappears, Bob will still get his paycheck
it's fun you don't see any problem and think of this as an acceptable solution, even if it fails in its most basic form.
You can only hire someone for a job if you have the money.
In reality many people hire someone for a job and thanks to their help they'll have the money to repay them in the future.
Money that at the beginning they do not possess.
Basically credit does not exist in your world, but you still think that it's better for the poor folks.
But what if Alice disappeared because she's dead, and Bob id the one who killed her?
do you ever stop to think about real life?
genuinely curious.
(not to sound harsh, but you just reinvented escrow accounts, in a more complex way...)