"Kickstarter. Zipcar. Shareable. Etsy. Kiva. Prosper. Airbnb. These and other 'collective consumption' companies are part of the new economy arising out of necessity, as traditional businesses and government are increasingly unable to meet Americans' needs and provide basic supports. This sharing economy is based on people coming together to create their own markets (Airbnb), their own products, (Etsy), and their own currency (TimeBanks). It relies on shared needs, trust, and the belief that the group is stronger than the individual..."