Bulk of the &quot;transaction cost&quot; in sharing-economy transactions is measured in time (registering, shopping, messaging, verifying, negotiating, meeting). In the case of renting&#x2F;borrowing that&#x27;s pretty much a fixed cost independent of the value of the item. So it ends up seeming more worth it for big purchases. I think that&#x27;s why this type of thing is often seen on school campuses (students have a surplus of time and a lack of money), but not out in the rest of the world as much.<p>These guys are working in this space but they&#x27;ve switched from a borrow&#x2F;lend model to more of a store: <a href="https:&#x2F;&#x2F;yerdle.com&#x2F;" rel="nofollow">https:&#x2F;&#x2F;yerdle.com&#x2F;</a>