Today, we take for granted how easy and seamless it has become to conduct business with one another and trade online. We order food on a mobile app from almost any restaurant and it arrives at our door within an hour; we get in a stranger’s car for a ride across town; we spend our family vacations in some other stranger’s home. It’s all so normal now -- no big deal. But in 1995, when Mark Fraser of Salt Spring Island, Canada, sent $14.83 to a person he’d never met (Pierre) —never even spoken with —to buy a laser pointer he saw on a website, it was a remarkable act and started an even more remarkable movement.