The problem is: Verbal contracts are in most states, legal but unenforcable.
Of the multitudes of reasons that a verbal contract is unenforceable isbecause someone can claim a contradiction in language. In a written contract, there's no question as to what was in the contract, because it's all right there in front of you.

If I think I'm being openly full risk staked, and the other guy tells me *after the fact* it's stakeback, he's not getting a penny back, even if it means I'm getting kicked from the forums. LOL.