Invalid, the makers are incentivized to settle offers to earn maker bonuses when subsequent takers and makers make trade using the original collateral put up for points as well as get back their initial collateral. Additionally, if they do not settle on time, they will lose all their initial collateral, forcing the `owner` to come in and perform the settlement and retrieving that collateral. This is noted as a design decision [here](https://tadle.gitbook.io/tadle/how-tadle-works/features-and-terminologies/settlement-and-collateral-rate) If all else fails, the `owner` can come in to settle as seen [here](https://github.com/Cyfrin/2024-08-tadle/blob/04fd8634701697184a3f3a5558b41c109866e5f8/src/core/DeliveryPlace.sol#L254-L256) and [here](https://github.com/Cyfrin/2024-08-tadle/blob/04fd8634701697184a3f3a5558b41c109866e5f8/src/core/DeliveryPlace.sol#L365-L367) offers to allow closing offers and subsequently allowing refunds. I acknowledge that perhaps a more decentralized