yes service providers will assess/price risk or go bankrupt Service providers would choose whom to serve, and at what price. Companies have been managing risk for centuries, it's not new, and reputation analysis is trivial with a public history of npub's behavior (a service like @brugeman 's Trust rank would be very valuable) and the "data compute is publicly available" is an incredibly GOOD thing! why process the same data a dozen times? Once a podcast has been transcribed I can check for existing transcriptions instead of having to transcribe it each time. This is a feature, not a bug

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It’s a feature for the end users certainly. I think most service providers will simply not participate. Perhaps ones where the cost of completing the job is 0 or extremely close to 0 will, but service providers with actual job costs can’t operate in this maybe you’ll get paid maybe you won’t environment. You need both sides of the transaction to benefit from the system for them to participate…
I understand @Mazin point. High-cost services will only be available to a select few users who pass the stringent reputation test, which is acceptable. But why not implement both options? Why not allow users to pay upfront (a concept I'll call "zapfront" 😄) to specific service providers (based on reputation), and also signal a permission for a delivery of results via an encrypted DM?