Stocks are actually way too complex things for the average person to understand, otherwise there would have been no need for Moody&#x27;s or S&amp;P ratings, just the Amazon&#x2F;Ebay ratings would have done the job!<p>However, the &quot;average intellectual&quot; person is evolving and getting tech savvy at an unprecedented rate globally. I am willing to bet that a stock rating system similar to ratings on Amazon&#x2F;Ebay is not that far in future.