This community is decentralized already, and transaction can't be reversed and that's because of its decentralization.
So the third-party system you talked about is the solution to that for scam prevention.
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I don't think this community is fully decentralized because the admin still have control over every pob one has received and that's the right to mute anyone and unmute.
No this community is centralised as a social media but it wallet is decentralized that's why after being upvoted, your pob received can be removed
If the marketplace is physical market but it's online, it can be done in each country but if it's not physical goods then it can be done inter countries.