So you're against the requirement to carry car insurance?
What happens when someone runs over you with a car and they have no liability or personal injury protection with which to compensate you for your medical bills and they have no money and therefore are judgment proof? Too bad, so sad? Shouldn't have been walking down the street?
Yes, this happens now, but now it's a criminal act to drive a car without insurance so you're breaking the law by potentially putting other people at risk.
eBay feedbacks can be gamed and I generally don't trust them.
Escrow services work, but they are generally regulated.
Your retail store example is laughable. I'm sure Walmart really cares about the quality of its products.