billiamram
As for context, specifically with regards to prism, if I dial a wrong number that happens to belong to a terrorist, I may find myself guilty by association, with the burden of proof of innocence in my own hands. Quickly hanging up and dialing a similar number after might not be sufficient defense since that could be a strategy terrorists use to cover their tracks.
There may be potential for this sort of humanization in other areas where the perceived risk of a transaction currently outweighs the benefit. One way to think about it may be to consider things that you borrow from a friend. Airbnb covers the sleep on a friend's couch/spare bed niche quite well.
Some interesting things I can think of... perhaps using space on a more granular level such as holding a meeting in a conference room or watching a movie on a home theater system. Things like renting parking spaces might be interesting as well in some areas where parking is very limited.
There's also the issue of liability and risk to the user. A poorly maintained car might be dangerous to drive and difficult to recognize.
The main point of checking for the bankruptcy clause is to raise awareness of the risks involved so people can make an informed decision before trying a new site.
Here are a few "How to" guides with references to other resources that I've found helpful from my time scavenging hacker news:
http://www.jpstacey.info/blog/2011/03/13/how-construct-web-d...
http://www.silvertreksystems.com/checklist.html
http://krainboltgreene.heroku.com/log/2
I generally do better with task oriented learning, so I find it helpful to have something specific that I want to build, but everyone has a different learning style. Either way try to have fun and enjoy the learning. Good luck!