You make some interesting points, but the reason we rely on the businesses, services and products of others as "consumers" is specialization. If I need a computer, I'm going to evaluate my options and buy the best for my needs from a company that manufactures and services computers. I don't walk in to a laundromat to buy one. Businesses are formed to offer individual and combined expertise. Predatory businesses supposedly have to answer to governmental regulators for violating the law and when that fails, they lose business if they get a reputation for cheating people.
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