[slfnflctd]

I absolutely love this, but that's not the direction the world is headed.

If we're to make anything close to what you describe widespread, I think a minimum of two ingredients is needed-- 1, multiple collectives/co-ops of multiple semi-anonymous people who are willing to pool their reputations together (who need to trust each other somewhat so might need potentially identifying info to cement that initially), and 2, companies or investors willing to take a chance on such collectives by putting them to work and developing a rating system.

I think doing both at the same time would be difficult to say the least. Could be a challenge worth learning from for some brave folks, though.