Why do all P2P merchants on Binance/Bybit use “trusted persons” for payments? Isn’t that against the rules?

Hey everyone,
I've been using Binance and Bybit for P2P transactions for a few years now. Basically, I use it to send money between my country of origin and the country where I currently live. Since SWIFT doesn't work here and international transfers are either impossible or painfully slow, P2P crypto has been a lifesaver for me—fast, easy, and reliable.

Here's what I do:
I buy USDT via P2P using a bank from my home country, then I sell the USDT via P2P again, and someone sends me the money to my local bank account. I’ve done this for over 2 years and never had an issue. It works really well.

BUT—I’ve always been a bit concerned about the part where Binance and Bybit ask you to only accept payments from the buyer’s name, and warn you not to accept transfers from different people. When I first started, I used to cancel trades if I saw the payment come from a name that didn’t match. I’d even refund the money. But over time, I realized…

Literally every single merchant I’ve dealt with sends payments from someone else’s name.
Usually they mention it in their ad like, “Payment will come from a trusted person.” And this isn’t just sketchy, low-volume traders. Even verified, certified merchants do this constantly.

I trade mostly in RUB and GEL, and I honestly don't think I’ve ever received a payment from a matching name. I’ve only seen stricter name-matching more commonly in USD/EUR trades.

Today I Googled it out of curiosity, and I saw some people saying that accepting payments from third parties could lead to issues like:

• Your bank account being flagged for suspicious activity
• A reversal/chargeback if the person claims they didn’t authorize the payment
• Problems with Binance/Bybit if you get reported

That kind of freaked me out. It’s never happened to me, but now I’m wondering:

• Why is this “trusted person” system so normalized?
• How risky is this really?
• Has anyone here ever run into issues because of this?

Would love to hear your experiences, especially if you’ve been doing this for a while or in a country where this kind of workaround is common.