Imo some social credit/reputation mechanism is needed. As it is there is very little you can do to judge trustworthiness of your business partners. Bad apples make services worse and more expensive for everyone. Honest people are in effect subsidizing behavior of dishonest people. It's often talked about in context of insurance but it happens everywhere.

I want to rent a hotel room or Airbnb: risk of me ruining or stealing from the place is include in the price. I want hire a contractor: I may run into the same guy who scammed 10 people already and changed name of his business again. I want to rent a car: it's more expensive because of reckless drivers renting it as well and the owner have no way to tell if I am a responsible one. We pay idiot/scammer premium everywhere.

There is a real need for that mechanism and if we keep putting our head in the sand big corps with proprietary solutions will cover that need. That is the worst of both worlds.