Hello, No_bug, very expert-level post, I completely agree with you, but these arguments are more suited for advanced and knowledgeable people in trading... For regular users, there are simpler, well-known criteria for assessing a company's reliability.
The first is partnerships with payment systems like Visa, Mastercard, AmEx, Apple Pay, and Google Pay. The compliance standards of these companies are so strict that not every legal entity can pass them, plus the payer always has the option to get their money back. This is the first thing I always pay attention to. Techberry sometimes even has loyalty programs with these payment systems.