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Just dropping a few comments about your post:
  • Doing the trade face to face is not possible in a country where delinquency is every where. Imagine, you go to the library to meet the buyer, he go with two bad guys 🔫. You will send the funds for free.
  • What about if you receive fake money for your SATs? That's a good reason to do deal in a bank asking the buyer to deposit the funds in your account. Or you can meet in a casino and get paid in the casino tokens.
I'd rather use the lnp2pbot or Mostro so they don't release the funds until the payment has been completed.