I 100% agree with you. Thank you for sharing a piece of thought that is so often overlooked.
This is a very tricky world we are in.
One grievance I have against traditional finances especially, is its inflexibility. Say that you want to fairly share a donation, or even a tip between two individuals.
With current system, they need to either build their company, or at least be contractors in the same country. One receives the funds, and splits it with the other, by the means of expenses and invoices.
If they fail to do so, it ends up in court.
The whole thing takes time and money. And we need to be sure that they are in the same country, bonded by the same laws.
With cryptocurrencies, someone makes a donation in ETH, and in a matter of minutes, both individuals receive their share with 100% certainty the share has not been modified. Agent A could be in Venezuela for what I care, while agent B is Australian. At the end of the day, it doesn't matter.
I concur this is a very specific problem, but one of those reasons why smart contracts shouldn't be discarded as a whole.
It is easy to set a time frame within which the funds are not distributed, and the donator can reclaim them back. I think that in this specific case, it boils down to whether the developer of the smart contract knows what they are doing, and acting in good faith. Fortunately, the opensource nature of smart contract allows anyone to double check the quality of a contract.
On the other hand, you have a strong point. Not everyone has the time, motivation, and knowledge to check whether a contract has the correct functionalities. The platforms and tools acting as intermediates are rare, not mature enough, and often straight scammy for now.