Fighting abuse & spam on a consumer app is a perpetual cat-and-mouse game:
Every solution you create is a bandaid for 3-12 months -- until the adversaries find a workaround. When money is involved, people are tenacious to circumvent your patch and keep the money flowing.
While
Posting in 2030:
I am trading cans of beans for ammunition. Also will swap solar panels for a Starlink. Please no offers in dollars or quantum-vulnerable crypto.